If only we could have that as an option! I would gladly opt-out from EVER getting Social Security benefits myself if it meant I could keep that money and invest it as I please.
I'm 25, and my husband's 26, and we both know we will never see a penny of those mandatory "contributions" to Social Security. We'll be taxed to the hilt to pay for the boomers' retirement, and then the system will have collapsed by the time we retire.
But would you if you were 55 and had been paying for the last 35 years?