I’m expecting the government to reduce my SS by some sort of means testing - say reduce my benefit $1 for every $2 over X amount of military retirement. All of my planning continues to assume $0 from SS.
I enlisted when I was 18 years old and I had already started calling SS a Ponzi Scheme (I read a lot when I was young). I started to do what little saving I could back then because I have never believed SS would be solvent by the time I retired.
I do worry that the Government may become so broke that they will try to cut our military retirement. There are so many people out there that think it is some kind of gravy train that Congress could possibly get away with it.
I have done enough saving to make myself quite comfortable as long as I keep my military retirement. If that goes away I will live but it will have to be in a very frugal manor and I do not want to work until the day I die. I want a few good years to do all the hunting, fishing, and traveling that I missed having to perform my duties in uniform.