Make sure to have an egg nest!
The safest way in which you can make sure you will not run out of money even if Social Security ends up not helping you enough (or at all) is to make sure your nest egg is prepared for retirement. Be it that you have worked for a big company or that your workplace set you up with an IRA account or a 401(k), 457, or 403(b) retirement plan, These retirement accounts are a great way to make sure that you have some money saved for your golden years.
Other ways are to just make sure you contribute to a savings account each month until you end up retiring. Even if you only have a few years until then, it is never too early or too late to start saving up. And if you are a diligent saver, you can even end up having a larger nest egg than the sum Social Security would give you!
If you are interested in the ways in which Social Security was changed for the 2024 year, make sure to read more about it here!
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