I have two pensions coming to me, and I'll never see a dime of the SS I paid into for nearly 30 years. I'll have a pension from the Army Reserves at 60, and can retire with a pension from the railroad at 62 (15 more years). Since railroad retirement bought themselves out of Social Security program years ago I don't pay in anymore. If I choose to collect SS I lose my RR retirement. I should draw about $6K a month retired between the two plus my wife will draw an additional 50% of my RR retirement, so there is no way in hell I'm choosing SS.
