Disability, Retirement, Survivors

Financial Literacy Month: A Perfect Time to Plan for Your Future

April 8, 2021 • By

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Last Updated: November 2, 2023

woman on computer typingApril is Financial Literacy Month—a time focused on educating people about the importance of planning for a secure financial future. Social Security is a vital part of any financial plan. We have online tools to help you understand your potential Social Security benefits and how they fit into your financial future.

You should periodically review your Social Security Statement with your personal my Social Security account. Your Statement is an easy-to-read summary of the estimated benefits you and your family could receive—including potential retirement, disability, and survivors’ benefits.

Additionally, our Plan for Retirement tool in your personal my Social Security account allows you to run various benefit estimate scenarios. You can compare different future earnings and retirement benefit start dates for how they could affect your benefit amount.

Start improving your financial literacy today by logging in to your personal my Social Security account. If you don’t have an account, we encourage you to create one today. Please share this information with your family and friends—and post it on social media.

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About the Author

Darlynda Bogle, Assistant Deputy Commissioner

Darlynda Bogle, Assistant Deputy Commissioner


  1. Jakie

    Excellent and very important information. I think everyone needs to be taught financial literacy, since many people do not rationally spend their money, which can cause many problems. I myself am entering the university of finance, and over time I want to teach people financial literacy, but now I myself need help with admission, I want to impress the admissions office, I found a service statement of purpose help where they will help me write a competent statement. I think I will succeed.

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    • JustinSmith

      The cognitive knowledge of financial components and abilities such as budgeting, investing, borrowing, taxation, and personal financial management is referred to as financial literacy. pay someone to take my online class

  4. Sirie I.

    Thanks for sharing. I needed this information to write my coursework and for research to my thesis. The improvement of financial literacy is obligatory today.

  5. JanF

    Darlynda, Thank you for the informative articles you’ve posted. They are very helpful. I’ve been searching for an answer regarding child survivor benefits, but haven’t found one yet. So please forgive me, but I am going to ask it here…

    If a child receives survivors benefits after a parent passes away, do those benefits stop if a new step-parent adopts the child?

    Our son passed away in Nov, leaving behind his 4 yr old daughter, “O”. Our son and O’s mom were never married. O is receiving SS benefits. Her mom has married, and I expect her step dad will want to adopt her at some point. Will her survivor benefits stop if he does?

    Thanks in advance for your reply.

    • P.H.

      Hi Jan, thanks for using our blog. We are very sorry for your loss. Typically, the adoption of a child already entitled to benefits does not terminate the child’s benefits. For specific questions, please call your local Social Security office. Please look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information. Please be aware that our call wait times are longer than normal. We hope this information helps.

  6. Kathleen K.

    How can an adult, on disability,, (SSDI, not SSI), over 60, have financial security and make plana? We are not allowed to have over 2k in bank/or credit unions

    • V.V.

      Hi Kathleen, thanks for using our blog. If you’re receiving Social Security disability (SSDI) benefits, which are based on your average lifetime earnings, the amount of money in your investments and savings does not affect your benefit. However, if you’re receiving Supplemental Security Income (SSI) benefits, a change in your household income can affect your benefits. This is because the amount of an SSI benefit is based, in part, on the income and resources available to the individual receiving SSI benefits and the income and resources of his or her spouse. Check out our Understanding SSI web page for additional details regarding income. We hope you find this information helpful.

  7. macarena s.

    Thanks for shared

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  8. Rick M.

    Interesting share!

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