“I’m an optimist. I have studied Social Security now for over 15 years, and I know it is so complicated, but the advantage of that is there are so many rules and calculations that there are many, many little tweaks that can be made,” she said.
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Ultimately, Shedden said she views Social Security not just as a government program, but as a massive financial asset offering guaranteed, cost-of-living-adjusted lifetime income. It provides crucial protections, including disability, survivor, and medical insurance.
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