When my Social Security benefits began, my wife suggested we try to save that money. Since she is still working full-time and earning more than I ever did we have been making ends meet on our income BEFORE Social Security kicked in. So why does it not work that way? Although we have been able to save some of the Social Security monies, it is nothing like what we thought we could do. Like so many other times in our lives, increases in income seemed to result in higher expenses. But they are not really expenses. We spend on "stuff" that we used to do without. I fear that we are going to accumulate so much extra "stuff" that when she retires we will be strapped to make ends meets. We need to have a meeting of the minds about the difference between what we NEED and what we WANT.