<prompt> Human: I am just going through my retirement plan online from the Financial Planner service attached to my 401k, and when doing their calculations on my yearly income they always include a fairly large chunk of Social Security money. I know very little about how Social Security is allocated and have been hearing that it is going bankrupt for some time. Could anyone explain to a non-financial 20-something how I should be including Social Security in my retirement planning?  <response>: Never plan for Social Security. 