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"If you tally up your loan payments and they are 26% higher than your income"
Higher than your income plus money derived from selling most of your assets (with a few exceptions).
But we are not talking about an individual here--you slide off in that direction. We are talking about the SS System of the US being bankrupt. SS is backed by the full faith and credit of the US Government.
Big difference.
Keep your money. You'll need it when you reach my age, I can assure you.
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oldsam
73 911
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