How Much Would Social Security’s 2033 Shortfall Cost You? | Kiplinger
A 3.2% withdrawal rate is likely a more sustainable metric. Additionally, if the household receives more than one check, additional savings would be needed to fill the shortfall. To be fair, replacing the shortfall with an automatic annual 3% increase (for inflation) annuity (or an annuity ladder) would be more comparable than an assumption of a 3.2% withdrawal rate due to the sequence of return risk and other risks in a net energy constrained future. Cicerone