Assuming this is an honest question and not a "gotcha," no I am not passing up social security. I would, however, be more than happy to be compensated for the money I paid in that later ended up in the general fund. Unlike the current crop of faked disabilities and late comers, I financed every cent of return I am getting. To me, social security reform means ensuring you only take out what you put in, not what others have put in. Planning ahead is a key element of personal responsibility.