SS is quite along way off for me as well… in that same 30+ year ballpark. I’ve always been of the opinion that by the time I get there it will likely be insolvent, or at least unable to pay enough to make a big difference anyway. If anything it will be extra on top of whatever I can save, but not something I am banking on.
Based on that and also on similar thinking to what some have said above, i’d rather have the cash in my pocket to manage as I see fit then wait and expose myself to more unknowns (health changes, geopoilital events, policy changes, etc)
But long way to go before that bridge needs to be crossed anyway