One of the fundamental flaws in viewing SS contributions as what should
I get out of it that it is not an individual investment program. To wit: I you contribute the max to age 60 and keel over dead leaving no minor children or surviving spouse and there are no benefits payable. Yup..they keep your money. But perhaps your 35 year old son will get some of it in another 30 years. Or your neighbor's widow left with the 4 yard apes.
Comforting, eh?
