One mistake that folks make, is that they believe in the myth of a SS trust fund.
The thing never existed - imagine you swipe your kids piggy bank, spend the money on booz, and replace it with an IOU, hoping you die before he notices.
That is the state of the mythical SS trust fund. The money is gone, the drunk died, either the kids pay it, or there is no money.
“One mistake that folks make, is that they believe in the myth of a SS trust fund.”
I can’t believe that any one in America believes in a “lock box.”