I have to say here though, when you talk about Social Security as a government hand out, I'm sorry but I get very upset. When I started working in the 1960s I wasn't given the option to take MY money and put it into a private retirement plan. I was FORCED to pay MY hard earned money into a GOVERNMENT controlled "retirement" program (they called it Social Security and Medicare). Since my government mismanaged MY money (by having a court steal it from the citizens) what gives them the right to now say (now that it's time for me to collect on that retirement program) that I am mooching off the government. I call FOUL FOUL FOUL! I would certainly be better off if I had put THAT SAME money into a PRIVATE retirement fund.