I said about half in the poll but now that I think about it, maybe not...DW & I are both 58, she as a full-time tenured prof who intends to remain with her current employer until full retirement at age 66. I adjunct teach, collect my modest corporate pension, and pick up a little consulting here and there.Going into retirement, our incomes will be:- SS for both DW & I (we'll both be up near the max benefit)- My corporate pension- Roth IRAs from both of us- Traditional IRA for me- 403b from two of DW's employersWe will live relatively well if SS doesn't change, but also have our financial planner run scenarios for means testing where we keep only the highest SS benefit and another where we get no SS benefit. We still remain "okay" in each one, but obviously less so as income declines.
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