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I figured my SS. If I retire at 66, I will get "my" money back by the time I'm 71. I'll get my employer's money back in five more years at 76. That's all with no allowance for inflation or what private investment might have earned! So, why would anyone prefer SS to any private investment? Because most people: won't save a dime as long as SS makes them feel secure, never earned enough anyway, or as with congressmen and state workers, have a better plan. For what it's worth, I never earned enough, anyway and my wife made sure that I never saved a dime, so I'm stuck with SS for what it's worth. :roll:
 
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