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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.

I respect Bogle greatly, but I'm not on board with his latest in this case. I prefer to stay on the more conservative side of the scale.
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