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One thing I have been convinced of is that SS will eventually be means-tested--probably by the time my fellow boomers are eligible.

I think so, too. FYI, I was born in 1956, and I hope to retire in 2013.

So I have come to the following conclusion: during the pre-SS years, it couldn't hurt to try to meet most of your fixed living expenses equal to what you'd draw from SS and any applicable pensions.

You mean you should try to meet the fixed living expenses from your nut, right? That's what I'm going to do.

Then when I'm 62, if I'm still allowed to do it, I'm going to file for SS. If I get it, great! If I don't, well, I have a safety net in place.

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