 A lot of us have worked hard our whole lives and made smart investments and lived nice lives, but living off Social Security is not the guarantee that it used to be. Everything is much more expensive than it used to be, and they do give cost of living increases, but that's because the cost of living has increased. My mother lives on Social Security, and it barely covers everything, and I think that it's not intended to be your source of income. It is supposed to be a source of income.