If you put the same percentages as taken by Gov for SS over 35 years on an average income of $35,000 at T-bill rates of 3% you would have more than $375K in your private untouchable retirement account, plus money built up to pay private insurance premiums for 25 years after 67 from your MedicareMedicaid. This would generate about $1900 a month for 25 years, way past most actuarial tables of life expectancy. If you put it into stock market, and didnt panic ever time market does what market does, you would have double that. Do the numbers yourself. Have a cry. Vote republican.