[9YearLurker]

Of course, had you invested no return—or even retention of principal—would have been guaranteed either.

The fact is that the guv didn’t invest for you and we don’t have the money to pay what people are expecting back—particularly now that we’re living so much longer.

So cuts have to come somewhere. The obvious, unless we just scrap it altogether, include lower increases, later eligibility, and means testing.

What do you propose?

[Cyber Liberty]

Stop calling people on SS "welfare recipients" for starters. (You didn't do that, from what I can see. But others can't resist the temptation. Must be either government workers or shiftless bums who never worked two consecutive quarters in their lives.)

My plan would be to increase the retirement age by one year every other year until the age is more in line with the actuarial expectation. I'm fine with putting in more years. And for the love of Pete *don't means test it!!*

Of course, had you invested no return—or even retention of principal—would have been guaranteed either.

True, there are no guarantees, but it's a fact that you can pick any ten-year period in history and you will see the stock market beat inflation. And that includes any decade you want to choose that includes the Great Depression.

[3catsanadog]

My dad opened my eyes to what the Social Security scam really is back when I was in my very early 20’s which would have been 1970-71. Told me it wasn’t invested so wouldn’t grow in value.