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FWIW, I agree with zsimpson. SS is a joke. My wife and I have never used it as a factor in our thinking/planning. Except that I intend to jump at whatever SS there is for me as soon as I hit 62...before it gets jiggered/means-tested away.

Hubby said the same thing - if it's there. Hubby will not be eligible for about another 8 years. A lot can happen in 8 years. Look at the past 8 years.
That's at least two presidencies, and a bunch of turn-overs in the two houses. I won't be eligible for a bunch of years later than that. We aren't counting on anything from them.
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