Social Security.

Some things to think about:

 Social security was founded to allow people a way to live after they retire. Not all people are comfortable with investing to survive. Some people, after paying in for many years die before collecting anything from their Social Security account, 16.5  % of men & 10% of women. Social Security sometimes provides benefits for the survivor in a marriage and children if any.

Twenty to twenty two percent of US workers earn more that $147,000 per year, this number is the social security tax, cut off point.. Also there is no social security tax on earned interest, dividends from stocks, and capital gains. 

Social Security is forecasted to stay solvent until until 2035. It can stay solvent awash in money by taxing income that is not a wage. Social Security can raise the cut off from wages. Some people argue that they can do better with their retirement than the government and this may be true. Yet if they fail then social security will be there for them. If people are allowed to opt out of social security and fail with their own retirement plan, then will they want welfare. In the long run it is best to pay into Social Security in that most will get their money back. 

It is also possible to manage the money in Social Security in a way that it grows. The politicians that want to gut Social Security are causing our senior citizen unnecessary worry, that is quite frankly, inconsiderate and cruel. 

DT