Married retirees are lucky enough to benefit from two monthly checks, but most people rarely get more than this. However, in November 2024 only, a lucky few beneficiaries will receive three Social Security checks -- or as many as four for some married couples. But before you celebrate too much, there's an important caveat you need to know.

The idea of depending entirely on Social Security doesn't sit well with me. That's why I'm taking control now by building retirement accounts.

An estimated 96.7% of adults aged 60 to 89 receive Social Security. Although the average monthly benefit amount for retired workers was just $1,920 in August 2024, Social Security constitutes a large portion of many people’s income.