I'm not sure it is a huge disincentive for many people. I know I don't want to depend on government benefits by not having any savings. If the choice was have your own assets and no SS versus have no assets and receive SS, I know what my choice would be.I have my own savings snd my husband has a pension but I can tell you that I'm pretty close to having had enough of saving other people from their own choices. This kind of thing could influence my vote this time around.rad
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