rk911
Thinks s/he gets paid by the post
I get the impression that those that do not plan on SS being there wear that as a badge of honor. I'd have to work another 5 years to retire without needing SS. That seems silly. Work 5 more years in case SS isn't there in 15 years? No thanks. I am planning on it, counting on it and retiring in 2 years expecting it to be there.
For those that don't need it, did you ever think about retiring a LOT earlier by including it?
speaking for us, 'need' does not mean 'must have'. we both have traditional defined benefit pensions that provide ~ 80% of our annual income. our SS payments provide the other 20% and allows our nest egg to remain untouched. we're still living well beneath our means with a positive cash flow each month. we prefer to not touch the nest egg but RMD's start next year. that's a good problem to have compared to the alternative.