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During my retirement planning over the past few years, I have largely discounted receiving SS payment as a part of my regular income. Oh sure as baby boomer, I figured that it'll be around at least a few years after I am eligible and I'll probably some small % of the anticipated benefits. But there was too many unknowns for me. At best, I figured that SS could provide a "cushion" to apply against unanticipated future expenses.

However, now there is talk about changing the system. If happens, it looks like I'd still get a high percentage of anticipated benefits--allowing me to RWOL.



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