Most Americans are relying on Social Security to help make ends meet during retirement. But with the program increasingly under pressure, it may be prudent to plan for a retirement without it.

The latest Social Security Trustees report says the program only has enough money in the trust fund to pay out 100% of benefits through 2033. After that, it'll rely on income to pay 77% of scheduled benefits. That could be an absolute disaster for the 82% of nonretirees expecting Social Security to be a meaningful source of income in their golden years, according to Gallup.

If you plan ahead, though, you may be able to get by with a smaller benefit, or no Social Security at all. Here are three ways replace those monthly checks and secure your retirement on your own.

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Source Fool.com