Undocumented workers often pay taxes that help fund programs like Social Security — even if they can’t collect from them in the future.

It’s finally time to start using the money you managed to save and invest over the years. But be careful: Taxes are just one of the tricky parts.

The popular measure gives full benefits to millions of people who currently receive them at a reduced level. Critics warn the $196 billion cost will speed up the program’s insolvency.