Social Security is a crucial income source for many retirees. But that income stream is in trouble.

By 2035, Social Security benefit cuts might be on the table. That is, unless lawmakers intervene. But whether they take action -- and do so in time -- are the big questions.

The Social Security Administration has known for a long time that its finances are far from solid. And now, the program is getting closer to the point when benefit cuts could become a reality.

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Source Fool.com