Anyone under 55 who thinks he/she will see a DIME of SS is living in fantasyland.
When people are paying over 50% of their gross income for SS alone, it will end.
My worry is they will Federalize 401(K)s
“My worry is they will Federalize 401(K)s”
They will. That’s why they were made to seem so attractive in the first place. At the very least, they will be used in “means testing”. You just thought you were providing for “your” retirement