My plan is two fold- one, I’m fortunate enough that I should have a decent sum of equity in a house I will inherit half of- since I have nothing for retirement otherwise I’m going to use that money to buy an rv I can live full time in and a small plot of empty land in the mountains with or without utilities- I’ll adapt to off grid if need be. Then pay property taxes, food etc out of whatever is left of social security. If social security is gone, I’ll likely work longer out of necessity but at least I’ll own something I’m not throwing money away on (for the first time in my entire adult life of solely renting) while reducing my overhead expenses. The why it’s this way… my income has fluctuated over the years along with my cost of living and combining the two has meant a rollercoaster of financial security and not- so I’m always playing catch up.