Resilience is accepting your new reality, even if it’s less good than the one you had before. You can fight it, you can do nothing but scream about what you’ve lost, or you can accept that and try to put together something that’s good.
People always live forever when there is an annuity to be paid them.
When I had clients who wanted to retire before they were eligible for Social Security, I would create models based on claiming Social Security at the appropriate time, giving them a secondary source of income beyond their investments.
In theory, Social Security should replace some amount of income that had been generated by investments, allowing retirees to accumulate less before retiring.