01-27-2014, 05:16 PM
I'm fortunate in that my work should provide a pension when I retire. Got about 8 years to go. I'll be 64 so I factor in social security and dividends from my portfolio. When I do, I use 75% of what the pension and SS tells me will be available - better to plan for the downside. At least for the next 20 years, SS should be OK even if benefits are reduced.