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With a rapidly growing aging population, securing Social Security funds is now more crucial than ever. But how did we get here in the first place?

USA TODAY

The decision to file for Social Security is a big one. Claim benefits too soon, and you risk slashing them on a monthly basis for life. Wait too long, and you risk losing out on lifetime income.

One factor that may influence your decision to file or not is your job status. If you’re working, you may want to wait on Social Security and grow your monthly benefit. The good news is that you’re allowed to hold a job and collect Social Security at the same time. Whether that impacts your benefits depends on your age and earnings level.

Two Q&As: Social Security and savings bonds

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