Why Social Security May Not Be Enough — Especially If You Live in a Big City

 Think Social Security will cover you in retirement? Think again. While it's estimated to replace just 40% of your pre-retirement income, that number shrinks fast in high-cost cities like New York, L.A., or San Francisco. Rising rent, healthcare, and everyday expenses make it clear: relying on Social Security alone could leave you dangerously underfunded. Here's what you need to know to protect your future and close the income gap.