The Social Security program is critical to many Americans’ retirement plans. However, recent announcements from the Social Security government website have indicated that benefits will be reduced by 20% starting in 2034. This news has sparked a wave of concern among soon-to-be retirees, prompting them to question when they should begin receiving their Social Security benefits. As a certified financial planner, I aim to clarify this issue and guide you through the decision-making process. Understanding Social Security benefitsSocial Security benefits are a government-provided safety net for ret…