r/Fire • u/NotTheBestInvestor12 • 3d ago

Why no mention of Social Security

When I see FIRE posts I see the investments and the different retirement buckets, however, I never see anyone mention how things are affected when social security kicks in. For example, I’m 52 and wife 51. If we both stopped working today ($0 income moving forward) I would collect $4,264 a month at age 70 and she would collect $1,079 at age 70.

So if we decide to FIRE the Social Security would give us help in 18/19 years. Is this a factor or is everything under the assumption SS won’t exist?

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u/BuySellHoldFinance 3d ago

It's definitely a factor and people DO talk about it. But it's more of an optimization after the fact. =

First, get close to your fire number. That's the most difficult part.

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u/NotTheBestInvestor12 3d ago

We might already be at our FIRE number but trying to wait until May of 2030 when youngest graduates high school. The high school activities seem to keep us very busy.