*Discuss ways to cover the difference between what Social Security will pay and what you need to pay monthly expenses when you retire.

*What actions should you take today to ensure having adequate income during your retirement years?

*Provide rationale and examples to support your thoughts. Many people pay Social Security and Medicare taxes during their working years with the expectations of receiving monthly payments and medical insurance when they retire. However, these two Federal programs may not be sufficient to cover all expenses during retirement.