Hey, James, what if Social Security gets reduced? Can I not retire? And also, by the way, what if returns are way lower? And I might live to like 120 because I'm like super healthy. And also, I don't know, but what if tax brackets go up? Does that mean I can't retire? There's like so much going on in my head. I just want a simple yes or no. I know the last episode, we were going through a really simple example and it was just so easy.

Why is it people make this retirement stuff so complicated?

Gosh, even as you say that, I'm like, you're in the headlights.

Oh, man, it's doing you.

It gets complex really quickly.

And I think that one inherent part of planning is that we are planning for so many things that are out of our control

by the nature of what it is. One of those things is Social Security, which we're going to talk about

today. Yeah. I don't know if it's analysis paralysis or paralysis analysis, but either way,

what we're going to be going through today is helping your brain go, what if

Social Security does get reduced? Would I still be okay? Because a lot of you go, yeah, I've got a million bucks or two million or I'm going to have that amount, but there's still a million things that could happen. So maybe I don't retire. And you know why you're doing that? Because it's easier because you're a human. And there becomes a point where

James and I have to say, hey, I know you're going to keep working. And I know you could have more, but

what about time with family? What about prioritizing your health? So we don't love provisional income

policies and we don't love legislation. We love that if you can use numbers wisely and plan efficiently, you get more time

with your family and, you know, on the golf course or doing whatever it is you want to do.

So we're going to be walking you guys through a case study today. This was prompted by an awesome

comment. So please leave comments below as to what you want us to make more videos on. This is how

we actually create the

content. So this was left by, you could see, Wayne Brissette, hopefully I'm saying that correctly,

9459, who says the hardest part of all this planning, I'm 60, my wife is 56, is trying to

forecast what the U.S. government will do with Social Security.

The noise is they may need to reduce payments.

None of that is factored in a Monte Carlo.

...