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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.

We will likely receive some Social Security benefits, but I think benefit levels are very likely to be reduced. To what level? I have no idea. I just know that Congress loves to expand spending programs but not eliminate them.

Personally, I don't want to have my retirement standard of living dictated by a politician. I am ignoring Social Security and treating anything that I might receive as an added bonus.
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