I sure hope your right. If my wife and I are still alive when we would be eligible to draw and it doesn’t exist anymore all we will have is our 401K’s. I put 10% and my wife currently puts 8% but even still. With the way our country is heading our economy is going to tank again. My company has a profit sharing plan as well and I can buy stock at a discount. We used to have a pension but they did away with it a couple years before I started unfortunately. Sadly I worked for my company before back in 2003 and quit like a dang fool. I would have almost 17 years and be under our pension had I not quit. I try not to think about it because it makes me sick. But I am thankful to be with the company now. I just pray our 401k’s do great and we will have plenty to retire on when we are in our early 60’s.Fear sells. SS isn't going anywhere.