J.K.Logic Wrote: I've only been in the workforce for 12 years of my life, at 28. So I won't pretend to have experience of living off of SS benefits after retirement. But I did look up out of curiosity how much the average SS monthly payout is. For retired workers, as of Social Security's website cites from December 2013's Beneficiary Data, the average person received $1,294 a month in benefits.For disabled workers, it's a little less at $1,146 per month.I bring up my age to reference a point.. since I was 17 I have paid all of my bills by myself. And I have always lived within my means and been responsible with not taking on too many bills, outside of necessity. For the last decade, I have lived in several different cities and states, but have routinely found that my monthly income need always hovers around the same every month, give or take a few hundred. That number is roughly $1400-1700 per month. That covers all monthly recurring bills, food, gas and all other misc., usually on average at least. Some months are better, others are much more costly.So to imagine being unable to work, or retired from a long life of working, and trying to survive on $1150-$1300 a month, that sounds like quite a struggle indeed. I suppose that if you were capable or lucky enough to have fully paid off housing and auto concerns by that point, this would make it a much more doable situation. Then I could see it. Still, it would be tight, and hard to imagine that check doing anything beyond just getting by, from month to month.