Skypine27 - "i’d still rather have 130,000 per year to supplement my social security and 401K rather than no fixed income."
Skypine, I agree with you, but honestly, for those of us that are more than 5-10 years away from Social Security retirement age, I'm not sure we can count on getting a full SS check. With the coming SS crisis, I would be willing to bet that Congress will be forced to either drastically raise the SS taxes (not likely), or go to a means testing for beneficiaries.
Retired folks with income over a certain amount ($100K?) will see a greatly reduced SS monthly check, or even no check of at all. Between the A Fund, B Fund, and Military Reserve retirement giving me a $200K plus/year income, I'm certainly not counting on ever seeing a SS check show up in my banking account.