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You worked your entire life for this. So, why not take full advantage of Social Security benefits the moment you can? There’s some merit to that way of thinking, but the reality isn’t as rosy. Relying on Social Security for the long haul — and to fund a significant portion of your retirement — is a losing proposition. Social Security acts as a living, breathing entity. It’s ever-changing . That makes it unpredictable and unreliable.

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