When I was in my earlier planning and saving phase similar to the OP, I never counted any SS benefits in my calculations to determine my savings goal for retirement. I did the same but likely for different reasons. For a few of my jobs, I was not covered by SS. There was also the issue that my husband was usually the higher earner so after 10 years of marriage, there was a different wrinkle. I actually just threw SS into the income stream mix calculation after finding out what would be available at 60, 62 and 66.Then again, I am in a totally different place than couples but planning well for retirement only made everything else a bit easy. I can't remember where the post is but even with good planning there would have been a surprise along the way on taxation of disability benefits so I was glad I wasn't planning down to the minimum penny.
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