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You forgot half of that may disappear with means testing, and in 20 years, SS will only be able to pay 2/3rds of that. It's broke...

Half of our investments may also disappear.

Not sure what form means testing may take, but likely wouldn't affect us. Maybe those with incomes over $1MM or $250k or $100k. Or maybe top-level SS benefits...we aren't there. I think the very top right now is $2500/month for one person at full retirement age.

SS can be fixed by raising the taxable income limit, ending the temporary 2% tax cut, and phasing down the 50% spousal benefit. These days women work and earn their own benefit. I worked part-time or at low wages for 13 years and only made a professional salary for 13 years, so I have a bunch of zeroes in my SS benefit calculation (SAHM for 10 years and retired early), and yet SS on my own work record will be $1500/month if I collect, as I plan to, 2 years before my full benefit. Most women these days can manage the equivalent (more years of work replacing my professional years in many cases). I only exceeded the income cap for SS twice, maybe 3 times.

Hope you saved a bit to compensate for that!

Yes, but I want to conserve it as much as possible. If we live to be among the old-old, we'll need it.
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