Social Security benefits were designed to boost retirement savings and pensions, not necessarily provide seniors with a sole income source. But an estimated 12% to 15% of seniors depend on it for 90% of their income, and if you’re one of them — or you just want to stretch your benefit dollars in retirement — how can you make the most of the government’s safety net?

Financial planners have long cautioned older Americans against leaning heavily on Social Security as a primary funding source. And for good reason: The program’s funds are currently calculated to begin depletion in 2035, and while lawmakers are proposing changes that would extend the program’s lifespan, Social Security’s monthly payout — even at the full retirement age (FRA) of 70 – is relatively spartan.

But with these five proven strategies, you can stretch your Social Security payouts without sacrificing your retirement goals.

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1. Delay, delay, delay

While seniors are eligible to tap into their Social Security benefits at 62, delaying will gain you increasingly more money per month.

If you wait to apply for social security until the FRA, you can get a delayed retirement credit of up to 8% of your yearly benefits on top of the maximum benefit amount.

Don’t forget to research spousal and survivor options, including current married couples taking the lower earner’s benefits first, and delaying the benefits of the highest earner. The AARP Social Security Resource Center is a great place to start understanding the often confusing timeline.

2. Look for discounts and freebies

Take advantage of programs designed for seniors on limited budgets. Fundraising platform GoFundMe has a comprehensive list of programs to help with meals, medicine, home energy assistance, transportation and even pet food. Check with your city for more local programs, including volunteer services for home repairs.

Looking for entertainment? Don’t forget to ask for a seniors discount at restaurants, hotels, airlines and movie theaters. AARP offers a comprehensive list of member discounts, including car maintenance and cell phone service.

3. Stay fit now

Health care costs can eat up retirement savings quickly, so using fitness discounts to improve your health and stave off rising costs will save you money.