I was talking to some college friends about retirement. For context, we're all several decades away from that milestone, so it's not like we're in the process of mapping out concrete plans. But the topic of retirement savings came up at one point, and that quickly lead to a discussion about Social Security.

In a nutshell, a few of my friends are convinced that Social Security won't be around at all once they retire, so they're making an effort to build up nest eggs they can tap in its absence. Because I write about Social Security all the time, I know enough not to worry about the program going away completely. Rather, what's more likely to happen is that Social Security will end up cutting benefits.

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Source Fool.com