As far as your personal goals are and what you actually want to do with your life it should never have to do with the government. You should never depend on the government for your retirement your financial security for anything. If you do you're screwed.
If I get the forty additional years statisticians say are likely coming to me I could fit in at least one maybe two new lifetimes. Sad that only one of those lifetimes can include being the mother of young children.