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I think we have both now. SS is an insurance policy for poor old people, and people should save as best they can, but some do live off of SS and it really is putting something aside now for your retirement. And we have IRAs, which are tax subsidized right now.
It is there now, we just need to tweek the criteria in SS a tiny bit so that in 2050 SS will still be able to provide 100% benefits.
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steve
old rocket inguneer
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