ziggy29
Moderator Emeritus
I usually just opt-out of this discussion because I'm a long way away from the first decision point at age 62 (I figure the rules won't be the same then, so why bother wasting brain cells on it now). But I've kind of HAD to spend mental energy because all of the planning tools require you to select or at least accept some idea for how SS will play-out.
Same for me. I won't be 62 for another 11+ years. I'm pretty sure there will be significant changes by then, and not for the better. The main question is, will I be old enough to be "grandfathered" out of the watered down deal the younger folks are sure to get when the "reforms" are enacted.
I don't spend a lot of time on it yet. I'm not going to line up to kick the field goal when I expect the goalposts will be moved before I kick the ball. I have, however, tried to consider a few possibilities and make at least a little bit of a plan for them should they occur, so no "blindsides" will make or break me or delay full retirement or change when I take SS.