[KNS]

I don't retire for another eight to ten years but I do not factor SS into my retirement planning.

I expect it to be nearly exhausted by then and I'll receive perhaps a pittance at best.

I had a financial advisor tell me once that the reason the Govt keeps upping the retirement contribution "Catch-Up" amounts so prodigiously every year is because the Govt is trying to send a not so subtle message: "Don't expect SS to be there"