Just remember, your SS money in a bank savings account making 0.8% interest is still making more than the 0% it makes with the government. Or in my case, probably -XX% because the government is just taking it.
Hell, I'd even make them a deal. I'm 28, and been paying into SS for 12 years now. They can keep that money. All of it. All I want in exchange, let me keep it from now on. I guarantee that I can do better sinking it into my ROTH IRA, and I know it will be there in 30 years. But wait, they need my regular payment, because it covers the SS people today. Yeah, this should end up well. 
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‘07 Mazda RX8
Past: 911T, 911SC, Carrera, 951s, 955, 996s, 987s, 986s, 997s, BMW 5x, C36, C63, XJR, S8, Maserati Coupe, GT500, etc
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