Could changes to Social Security quietly reshape your retirement income? In this episode of The Retirement Bullpen, Richard Warner unpacks a proposal to cap benefits—and what it reveals about the future of Social Security. He explores fairness concerns, potential benefit reductions, and why the system faces pressure from longer life expectancies and shifting workforce dynamics. The conversation also highlights how fear can influence claiming decisions and why relying solely on Social Security may create risk. It’s a practical look at why proactive planning and personal responsibility remain central to building a sustainable retirement strategy

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