I just signed up this last week. I start getting my direct deposit in September.
When we prepped for retirement I assumed, and included in my spreadsheet, that there would be reduction in "benefits" of 25% in the year 2032.
Thankfully I also searched and found a job with a pension 20 something years ago, and thankfully about 20 something years ago we both also started cramming money in in our 401k's until we reached the maximum contribution.
So we have 2 - 401ks, 2 - Social Security checks, 1 pension and Zero debt. The Zero debt makes a big difference.
