I don’t trust the government. This is why my retirement is based on owning real estate free and clear, owning the “stuff” I need free and clear (zero debt) and Precious metals - that I physically possess. And Social Security and a couple of small pensions (only gets me a few hundred a month).
And the real estate is in a state with virtually non-existent property tax ($250 a year on 32 acres and a home), but high tax on income (which I won’t have) and no tax on Social Security benefits.
The only rules they can really change that would have much effect on me are SS rules. and those are pretty difficult for them to change.
They can change the capital gains tax which will affect you or your heirs taxes on real estate. Just last week the bastards in the house voted to eliminate the basis step up on assets when you die. That would royally screw your heirs if you have gains when you croak.
You need to re-think this a bit.
Every year the SS Trustees issue a report on the SS system. Right now, if nothing changes, the SS Trust Fund will be completely depleted in ~2034, maybe a little sooner. (The exact date varies a little bit from year to year.) At that time they will only be able to pay ~75% of current benefits.
If you have not already retired, this will happen in your lifetime.
There are lots of speculations on what will be changed, and nobody knows for sure, but I am 100% certain that any changes will be negative for those who have prepared on their own for retirement.