I know that I don't have a crystal ball and I can't see into the future but I also know that with all the talk about Social Security going broke, I'm not going to put all my eggs in that basket. Sure, it might end up not being true. The government might step in and make sure SS is still here when I need it, but I'm not going to count on it. If you are counting on Social Security for your future, you too may want to consider a back up plan... just in case. 

The one saving grace is that you have a lot of other opinion when it comes to putting money away for your retirement. You don't have to rely solely on Social Security for your future. 

Of course, the earlier you start the better off you will be. Many people have lost a lot of their retirement savings in the stock market debacle of the last few years. They may not have a lot of time to recoup all their losses and that is unfortunate... and not all that fair. 

But now that we know what can happen we do have the ability to re-set our course and make sure that we have done all we can to protect your financial future. 

When it comes to this issue I do tend to sound like a broken record I know but you need to take the time to learn some basic financial education. I'm certainly not an expert and there is a lot I don't know but one thing I do know is that no one will care about me and my finances more than I do. 

That is why I personally don't believe in just turning my money over to some "expert" to invest. As a matter of fact, as I have gained more education I find that many of the "experts" may not be all that expert after all. 

I read a quote from a famous investor several years ago that made a lot of sense to me, I'm not sure exactly how it goes but it goes something like this: "Why do people who drive a Rolls Royce take financial advice from people who take the subway to work"? 

Pexels Markus Winkler

It wasn't meant as a dig on anyone who isn't rich but the point is this: that if the financial experts were so expert why aren't they extremely rich too? I sure thought that was a valid question. 

If the person you are investing your money with is so good at investing (which of course you would hope they are otherwise why would you trust them with your money) why do they work for someone else just earning commissions when they buy or sell a stock for you?

So, with some of your time and a little knowledge you can work hand in hand with your own expert. That way you can make sure that the advice you are getting is really good advice. If you don't think it is, don't take it. 

If you become an active partner in forming your own financial future today, you won't have to worry about Social Security for your future... you will have your financial future all sewed up!

Keywords: Social Security, Financial Future, Retirement Savings, Backup Plan, Financial Education, Market Downturns, Personal Finance, Investment Decisions, Financial Experts, Secure Future

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