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If you went to a bank and told them you want to start a investment account for, say, 45 years. You told them YOU would give them a big chuck of money each year. Great. Then THEY told you that they would hold your money, invest it in something, and then YOU call us back in 45 years. They also mention that the rate would be very low, and if you die before you get a dime of it, none of your family will get anything. You would tell the bank to take a hike. SS is just like this, except we dont get the chance to tell the bank to take a hike.
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Getting old is not for wimps.
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