No. of Recommendations: 2
If SS is means tested, the more "levers" you have to pull, the more likely you'll be able to arrange things to your benefit. So, having some money in IRA/401k, some Roth money, some outside investments, will all enter into the equation.

I think additional means testing is inevitable. Despite how unfair it would be for people who saved into the system and were told they would get it's going to happen considering age demographics and the growing 'entitlement' mentality of younger Americans.

I guess you can adopt 2 strategies to combat the inevitable outcome. Don't accumulate more than a million $ in assets so you don't attract the greedy eyes of the politicians or you can work to get wealthy enough so the 30-40k of SS won't matter.

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