Mary Beth Franklin, a Social Security expert, dives into the program's critical financial challenges and future outlook. She highlights the alarming depletion of trust funds by 2033 and discusses individual strategies to maximize benefits. Franklin emphasizes the importance of timing and investment decisions, offering insights on how married couples and divorced individuals can strategically claim their benefits. She also provides advice for younger workers on preparing for potential cuts, ensuring future retirees strengthen their income.

Retirement expert Mary Beth Franklin discusses the importance of Social Security in retirement planning and dispels common misconceptions. Topics include understanding the Social Security system, disability and survivor benefits, working and earnings restrictions, taxation of benefits, and seeking expert advice.