We are retired and live very comfortably on what we saved. We are eligible for Social Security but don't take it because we consider it old age pension insurance from a shady insurance company that may or may not be around in case of financial catastrophe. We will take it when we are 70 (maximum benefit) and just save it. It was obvious decades ago that Social Security was a Ponzi scheme that should be discounted for retirement planning (even though I paid much more than I will ever get back, even accounting for inflation). Yeah, the system could have been fixed years ago but any thoughtful person who knew anything about politics realized it would not happen. Now it exists solely to create social and political division between generations (like DEI does with race and gender). The worst things about Social Security are that it deludes too many people into thinking they don't need to save what they need for their own retirement, it diverts that money from productive investments, and it produces prodigious catfights and social divisions that only give crooked politicians more power.