Thinking Social Security will cover your whole retirement? Dave Ramsey says, think again! The safety net might not be as sturdy as you hope—by 2034, the reserves could run dry. The big shift: more retirees, fewer workers paying in. Translation? You’ll want your own backup plan. Start stashing cash in a 401(k) or IRA, and don’t count on Uncle Sam for all your golden years. Plus, if you’re married, get smart about spousal benefits—there’s free money on the table if you play it right! #Business #MakeMoney #MoneyHacks