> gMoney wrote:
> Give us back our money!?!?!?! Are you CRAZY!? We are too stupid to have our
> money back! You keep it!
>

The whole reason we have SS is because letting people to their own
devices didn't work and with the current savings rate being negative,
I'd say we need SS more than ever now.

Don't get me wrong, I'd favor a system where those that make the case
they can save responsibly (me) get their money back.

And I don't favor SS from primarily a humanitarian perspective -
keeping old debtors off the steets - I favor it because without it
we'd have to pay to clean up those street people and that's way more
expensive than getting my SS money back when I retire.

So think of SS that way: you can get your payroll taxes back when you
retire, or you can get nothing and have your taxes raised 20%.

Plus you don't pay payroll taxes on anything over $97k.

The bottom line is that it's just not that much money compared to what
you need to retire middle class.  If that's not the case for someone
then they're the exact kind of person that shouldn't have that money.

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