Originally Posted by ziggy29
While I wouldn't make political predictions here about what will happen, or posturing about what I think *should* happen, I do think it's still prudent to plan for the future in a way that is prepared to handle asset-based means testing on these programs if they come.
I've based my budget off of of the rates for a 64 year old and a 60 year old (we will be 55 / 50 when I retire). I end up with a 3.8% WR but still get 100% in FIRECalc (and 90% in FIDO RIP) for 40 years. If we continue to be covered through DH's work at current subsidized amounts, or if we get an Obamacare subsidy it will be "gravy", which I will probably leave invested to give me more cushion. If it looks like the cushion is too big in 5 years time I'll consider spending some of it, but not until then.