Many retirees are shocked when they realize that Social Security replaces far less of their income than they expected.

That surprise is what makes retirement feel like a permanent pay cut instead of a reward for decades of work.

The fix starts with understanding one number: your replacement rate.

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Poll Of The Day

Do you know what percentage of your working income you’ll replace in retirement?

Yes
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No
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Unsure
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Fun Fact Of The Day

Studies show retirees who calculate a personal replacement rate before retiring report significantly higher satisfaction than those who rely only on general rules of thumb.

American Retirement Insider

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