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No. of Recommendations: 2
I disagree with most of the responses to your post. For probably 80% of Americans SS is/will be the single most important source of income and you'd be remiss not to include it in your financial plan. Factoring SS into one's asset allocation is common practice.

I find it very hard to believe that anyone that cares enough about their retirement to be on a "Retirement Investing" board is going to have SS as the single most important source of income.

On the other hand, if you've got $4MM saved and are planning on retiring on the income stream from that, SS becomes less important.

4M?? Wow! You plan on seriously partying during retirement. I think that's a very inflated number.

I can also see how those many years from retirement would question the future solvency of the agency. However if you're that young you should be in stocks anyway.

Isn't that what I said earlier?
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