Psychological scientists are very interested in the dynamics of future planning, in part because people are so bad at it. There is circumstantial evidence that people who are financially irresponsible also take poor care of themselves. Is it possible that a single underlying trait is shaping behaviors that promote both health and wealth?
According to this article from Dave Ramsey's website, "the majority of American workers, 69 percent, have less than $50,000 saved for retirement -- 36 percent have less than $1,000."
Money for nothing doesn't exist, but something does come close: generating money through compound interest. One of the most common ways investors generate compound interest is by investing in a diversified portfolio of ingredients from the financial markets: stocks, bonds, real estate, and commodities.
The death of a spouse is probably one of the most stressful times in life at any age. Being young, and now solely responsible for your kids, makes it all the more so. There's so much to think about and so many details to handle, that I totally understand your delaying dealing with Social Security. But in spite of the complications, it's worth the effort.