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I would not assume full SS benefits-given your age.

My age is considerably older than the OP's age, and likely irrelevant to his concerns. ;-)

To your point, I can't disagree. But I also wouldn't assume no benefits, either.

I recall hearing that when the social security trust fund runs out of money in 15 or 20 years, the ongoing income stream of social security taxes is still enough to fund something like 2/3 or 3/4 of the currently promised benefits.

For younger folks such as the OP, assuming something along those lines would be prudent. But assuming no benefit at all might cause someone to unnecessarily delay retirement or to cut back too far on current living just to save way more money than needed for a comfortable retirement.

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