Millions of seniors collect monthly benefits from Social Security today -- and you may be hoping that once you're retired, you'll get to do the same.

But you may have heard that Social Security is on its way out due to a looming financial crisis. And that's apt to be concerning.

The good news is that Social Security is not, in fact, on the verge of bankruptcy. Its impending demise is really nothing more than a myth. However, Social Security is facing some financial challenges that workers and seniors alike need to plan for.

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Source Fool.com