You should cover the basics and implement the traditional strategies to improve your finances, but if you run your own numbers and realize traditional financial planning can't bridge the gap between where you are and where you want to be, you must do something more.
Social Security is desperately broke -- 31 percent underfunded to be exact. This is not my opinion. This is its own measure of its unfunded liability. Patchwork fixes to Social Security aren't the way to go.
Over lunch the other day, a friend told me, out of the blue, that I wouldn't believe how complicated Social Security benefit-taking rules are. He then told me he'd figured out how to get the most from the system for himself and his wife Karen.