re: #79 calochortus

I have a nephew who keeps bringing up how his grandfather and father told him Social Security would be bankrupt before they ever got it. The fact that his grandfather and father both received SS has not changed his opinion that he will never see anything from it.

I don’t plan on getting SS.

The way I see it is, if I do, well great! Extra money I don’t need to withdraw from my retirement savings. But if something has happened by the time I am retiring, at least I am not up shit creek without a paddle.

Plus retirement planning is a challenge at best for us anyway.