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Many people worry that Social Security retirement benefits and Medicare won’t be available to them in the future. Recent reports from the Social Security and Medicare trustees indicate that if Congress doesn’t act to better fund these programs, they will face shortfalls in the coming years. However, Social Security and Medicare are incredibly important programs that many people rely on heavily, so it’s hard to imagine that politicians won’t act to ensure their survival. Even so, while we hope Congress will do something, there are steps we can take on our own to plan ahead. To make sure you have enough savings to cover health care and other costs in retirement, here are some strategies you might want to consider: