I disagree. Social security is the bedrock foundation for any retirement plan, even for high earners. It’s one of the only inflation adjusted annuities out there. A married couple that has a history of high earnings can expect a significant benefit from the program.

Lots of debate could be had around the future of SS, but to discount it entirely is foolish in my opinion. They’ll have to cut some benefits or increase taxes but SS will remain an important retirement component.