<prompt> Human: Im 31 and have a financial adviser. He recommends that when planning for my retirement that it is best to treat Social Security as if I wont have it available at all. I can see some logic in this but when I think of putting the 3500 a month that he recommends into retirement accounts it gives me pause. Knowing that no one here can say with certainty the future of social security, I thought Id ask how you guys factor that into your own retirement plans.  <response>: I do not factor in any SS income in my retirement planning. If SS is still active and strong in 25 years, I can think about retiring a few years early. But right now, I consider that money sunk. 