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For example, there is a good chance that Social Serurity won't be around or will be greatly reduced for those of us who planned and saved. In my case there is also a good possibility that I will receive inheritance money. So what I do is plan on something from SS and ignore the inheritance.

Although it might be a good idea to plan on very little from SS if you think it won't be around -- and even if you think it'll be greatly reduced. And I agree that you shouldn't count the inheritance. Your mom might live much longer travelling with your family and spend it all. ;)

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