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Message: <blockquote data-quote="Oldfart" data-source="post: 3353779" data-attributes="member: 64407">Dude,  you said you took the SS leveling option.  Might have been 2k or so a month, can't remember.  There is no way the leveling option is $1840 a month.You keep bringing up my LARGE pension.   Your $1840 a month is almost exactly what my pension will be.   I made the sacrifices and didn't buy cars and have car notes.  Now, when I retire, I will be able to replace about 90% of my working income because of my 401k. Few people at fedex retires on their pension alone.  You threw your money away for your entire life and didn't prepare for retirement.  Now you live away from your wife, you don't realize her bills are yours and you will scrape by the rest of your life. Bummer</blockquote>