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I hope all the 18-year olds out there don't have a choice to opt out because I need them to help fund SS when it's MY turn to collect.
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This is exactly why SS is a scam. 5 people in the beginning support the first person who collects it. Then you need 25 people to cover those 5. Then you need 125 people to cover those 25. If I was running an annuity/insurance product like this I would be rich, only at the expense of the system crashing and average young person like myself losing out.
Anyway, this is another problem with SS. It FORCES people to join. What if I don't want to join and it is a really sucky return and a sucky program for helping the less fortunate. I can't do anything. SS works only by lifting up a very small minority at the expense of screwing everyone else. (hey that kind of sounds like socialism) Oh wait.... THAT IS SOCIALISM.