Quick coffee break tip: Don’t bank on Social Security as your main retirement safety net. Top retirement experts say the system’s running on fumes, and even Congress can’t agree on a fix. The real-life impact? More folks are hitting their golden years with not enough savings and higher bills. The lifehack: Start building your own backup—think extra savings, side hustles, or a portable retirement account. The sooner you start, the less you’ll stress later! #Business #MakeMoney #RetirementHacks