If you think you can count on Social Security for anything resembling a comfortable retirement, think again.

Don't just take my word for it. Here's what the Social Security Administration itself claims:

• As of June 2008, the average monthly benefit paid to a retired worker was $1,084.47.
• In 2041, Social Security will only be able to pay 78% of scheduled benefits.

Put those two points together, and it means that in 2041, the average retiree can expect to receive the inflation-adjusted equivalent of $845.89 per month. That may be enough to squeak by on the most meager of lifestyles, but it's also well below what a full-time minimum-wage job pays.

Can Live On $845.89 A Month? Courtesy of The Motley Fool