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ETFs For Retirement

This brings up an interesting question. What should the average American assume Social Security will be worth in the future? This is a critical question for retirement planning. On one hand, it won't completely disappear. The politics of the issue are too strong. On the other hand, the laws of reality dictate that it can't exist in its current form forever.

Personally, I assume that Social Security will grow at half the rate of inflation when planning my retirement in 35 years. I realize that this is completely unpredictable, but I am curious as to how other people are planning. What is everyone else out there planning for, SS wise?