For many Americans, Social Security is something that rarely crosses their minds because it is often viewed as a benefit to retirement.

Jack Myers with Social Security says while that is the case, many view Social Security as their retirement fund. He says that can be a dangerous perception as it was never intended for that purpose.

Myers reminds Americans Social Security has many other benefits. And he explains while over 60-percent of social security recipients are retired Americans, the reality is 20-percent of 20-year olds today will become disabled.

Myers says social security should not the primary source of revenue for Americans in their retirement years. He says it's never too early to start planning for retirement and encourages a visit to socialsecurity.gov for helpful resources in that process started.