Historically, we’ve always referred to the traditional sources of retirement income as a three-legged stool, composed of: 1. Government entitlement programs (Social Security and Medicare)...2. Personal savings and investments ...and , 3. Employer-sponsored defined benefit plans like pensions.  In the past, retirees could typically count on ALL three sources for retirement income roughly divided into thirds. With this traditional scenario, both the government and employer-sponsored plans were considered predictable, reliable income sources that may also be adjusted for inflation. So two thirds of your plan for retirement was set. Only one-third was the responsibility of the individual. Today, TWO thirds of the responsibility is yours, and the other leg--Social Security--is getting a little loose in the screws. Today we'll examine how COVID 19 may affect your Social Security, and then Medicare specialist SHELLEY GRANDIDGE joins us for a show you don't want to miss!  MASTERING MONEY is on the air!!!