People in my family live long enough that I might be 70 before it fully comes, even though I have some benefits now. But based on how it's structured, and the vagaries of life and people, it has always seemed kind of unwise to count on that being 100% there, so we've always planned for our full retirement. Now that we're at a point where we'll soon be empty nesters, and the inheritance is still there and growing, with my parents starting to disperse modest amounts from the family trust, do we want to just accept that we're probably all set with savings? I think it's pretty close to a sure thing, with enough resources to easily bridge the years between now and when the inheritance comes. If that didn't exist, though, I'd definitely want more socked away.

(Convincing my wife to consider retirement is another issue entirely, which I've discussed elsewhere.)