Brings it down to 10-15 years to save enough. An improvement, but still not "just a few years". And it is actually longer than that, because now you've got to fund the decades between retirement and when SS kicks in at 63+.If you are married, your spouse would have SS also. If the spouse didn't work outside the home, the spouse would receive an amount equal to half your SS. So now we have a household income from SS of 27K.
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