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Hawkin, I don't see it that.

Perhaps I'm wrong, but better to plan for worst case and hope for the best than otherwise.


Net worth, unlike income, is way too fluid for it to be measured for such a purpose. There are very very few things by which net worth impact federal benefits.

For example, ACA - which logically should take into account net worth, simply looks at income only. You could have millions in stock but as long as your income from the dividends on such is low enough, you can get a subsidy to pay for insurance.

SS, unlike an ACA subsidy, is a return of your own money so it is even less likely that net worth would be factored into any future benefits.
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