VK, how old are your sons?
I'm 55, and I pretty much figured that out about 30 years ago. Then the SS Administration started sending me my yearly "statement" with all of my years of income and what my projected benefit would be.
I have always lived within my means, setting up every kind of retirement savings plan that was available, maximizing my contributions. Saving for my retirement. I actually started to believe that retirement might work out.
A trillion dollar war, a trillion dollar bail-out or two, the SS fund rolled into the general "budget" (now there's a Ponzi scheme), a couple of market melt-downs...
I pretty much figure even if they don't actually take my SS benefit away, they'll find a way to tax it into nothingness, or inflation will make it close to meaningless.
Meanwhile, I better figure out a way to keep myself useful and productive after I hit The Villages.
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