How many people have heard about The Galveston Retirement Plan. I think it was in 1982 that the government allowed places to opt out of social security. And then the government pretty quickly changed their mind. Some of the places are still opted out. Go to google, type in Galveston Retirement and hit enter. See what those people look forward to for retirement now. All the monies they paid in belongs to them and their heirs. Social Security is a Ponzie Scheme.