Well keep in mind Social security used to not be taxed. Then they started taxing it when you received it. So that in effect was taking away a large part of the promised amount you were going to receive monthly from social security. I imagine they'll do that with other things as well. And if they don't what they'll do is just continue to inflate the currency so the amount of money that you think you'll get will be a lot less. The one real way to protect about from that is to actually start to liquidate your pensions and actually buy the things that you're actually going to need in your retirement like a piece of land with no mortgage you know a car that will last a long time with no debt and other things like that. That's the way to lock in the value of your future retirement. Instead of trying to plan your life so that you're expenses in the future are less than your income and counting on that retirement is income. Don't think that you're going to be able to rent property or something based on your future income from retirement plans. You better buy stuff and have it all debt-free.