This isn’t what my financial advisor told me and I doubt many others would, either.

Social Security is almost certainly going to exist in some form. The question is how much retirees will get from it and how that compares to the cost of living.

Excessive cynicism is often dangerous because it converts the mundanely pleasant reality into an enthralling doom and gloom scenario.

Of course, I’m not really saying that everyone in America is going to have a wonderful retirement. But if you’re like the other software engineers on this forum and you’re maxing out your 401k and have a mortgage, you’re almost certainly going to have a pretty enviable retirement.