I've been paying the max into SS for 45 years but my benefits will not be any larger than someone paying a lot less or only had a spouse paying, butI plan to start collecting in a Year and a half at 62(presently fighting cancer, so who knows).
Knowing MANY years ago that SS was a ponzi wellfare scheme, I elected to use IRA and 401K as much as I could afford to and should manage quite well.
By the way, I don't own more cars than drivers, super large plasma tv, or any other expensive toys, ie: it's amazing what you can save when you don't sucumb to all the toys!