The clock on Social Security just sped up — and millions of Americans are now facing a permanent benefit cut years earlier than expected.

A new trustees report shows the crisis is accelerating fast.

And what you do in the next 18 months may determine your entire retirement.

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Fun Fact Of The Day

When Social Security began sending monthly checks in 1940, only 222,000 Americans received benefits. Today over 70 million depend on the program — one reason its long-term funding challenges have become so severe.