Don't rely too heavily on social security for retirement. The plan is designed to replace about 40% of your pre-retirement income. And as the program administrators say, that will drop by about 20% in 2035.
I don't factor SS into my retirement at all. I will be drawing the max. And using it for leisure activities.
If SS is there when I retire, it is only factored in my financial plan as being the payment for my boat.
Thats smart thinking if younger people get stuck in the Greatest Generation and the babyboomer mindset they will be in for a big surprise when they get older.