Discuss the financial challenges currently facing Social Security and Medicare and analyze the implications of these challenges for future beneficiaries. Explore government strategies being proposed to address these issues and how they may affect retirement planning. Highlight the importance of financial literacy in helping individuals prepare for their retirement in the face of potential cuts or changes to these programs. Conclude with suggestions on how readers can advocate for sustainable reforms while taking charge of their own financial futures. Use insights from user comments to reflect public sentiment and concerns regarding the system.