..and for a long string of years, it was hand to mouth finances. I was (and still) self-employed and at some point health insurance premiums became ridiculous, amounting to $25K gross salary per year. Once getting on Medicare, then the SS check, there was some discretionary money to save...
But nowadays IMO you need a half-million dollar nest egg to be comfortable and back up the SS income. I worry mostly about my Wife, in the event of my demise or incapacitation. She's not a spendthrift but without my working some or if she had only my SS check, it would be tight finances and require some cramped lifestyle. She endured a cramped lifestyle 50 years married to me...I've gotten a lot of pleasure seeing her not so cramped for the past 10 or so years... 
So, I continue to let Trump or whomever, borrow my money knowing it will end up in savings.
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