Americans dream of retirement — time to sleep in, take naps, finally do gardening or projects or take trips. We imagine retirement offering all the opportunities working 40 hours a week detracts from. And you should definitely take time for all the relaxing you want, then find ways to fill t…

Most Americans who work pay into Social Security, which is designed to help people save for retirement. 
The payment is automatic, but applying for benefits takes some time and effort — and lots of paperwork.