Great observation, however Social Security only has 11 years before the system as we know it today has to cut payments [1]. I too would love to know the breakdown of the 200k.

Even with Social Security payments however I still think a sharp fall in home prices or stock prices would be catastrophic for the retiring generation.

[1] https://www.washingtonpost.com/business/2021/09/03/social-se...

[1 skip paywall] https://archive.ph/OaBIv

EDIT: changed social security going from "bankrupt" to "cutting payments"