Folks below that age limit cannot expect their SS checks to be the amount "promised" them years before.
We agree in spirit, but we're far apart on details. I question if 40 is too low, and you're convinced that 50 is 50 is too low. I'm positive 50 is too late to start planning an alternate form of retirement. Even 40, for many represents more than 20 years of paying in to the syste, and IMHO, may be too late to change ships for many people that age.