As we head further into the twenty-first century, the future of Social Security remains uncertain. One thing that does ring true - saving early for retirement is more important than ever before in our nation's history. At the heart of the matter is a system that gives more than it receives. Therefore, at some point in time, future generations (including younger individuals who have already started contributing to the system) may not receive Social Security benefits.

So, as Washington continues to debate what to do about Social Security, it is important to start saving for retirement. The younger you are, the greater the chances that you will be unable to depend on a monthly Social Security benefit as your sole source of income. Add inflation and taxation into the mix, and your savings and investments will need to work harder and longer in order to meet your financial goals and objectives.

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