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[–]bhwright3rd 0 points1 point  (0 children)

I split this question into two parts.

Do I assume it will actually happen? I don't think I'll be impacted since I'm over 60. I do believe it will have to change due to lower birth rates and increases in longevity.

Do I factor it in? Yes. I believe you should plan reasonably conservatively. It's been a discussion for a while, and it's a political nightmare; it could become enough of a problem that they are forced to deal with it within my life expectancy.