That's what I fear honestly. One of them died well before I was born and the others all suffered from multiple health conditions in their later stages.

That's a very good mindset. I'm still a ways off from having all those kids/grandkids, so maybe my perspective will change when that happens.

It's not about relying on social security but rather if you were never going to live past 70, why would you wait until then to take it, when you can start receiving it earlier at 67? If you die at 69 years and 364 days, you would never receive a single cent.

It's a binary sort of thing.

I never said I could. Just asking whether or not it's worth considering. Explicitly said it's very hard to ever know.