Author: Kailey Fralick, The Motley Fool

Millions of Americans are guilty of this. Don’t be one of them.

You could be passing up valuable opportunities to increase your benefits.

Hint: They have a little too much faith in Social Security.

It’s up to you to decide which of the following strategies work with your lifestyle.

If you’re in your 50s or 60s, this is especially important.