All of those "plans" are laughable.


We need to get the money away from the government
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Prior to Social Security, most older people lived in abject poverty.
Many were forced to live with their adult kids- like it or not. From
this perspective, old-age benefits are part of the social safety net
legitimately provided by Social Security.

Nothing stops anybody from investing considerable sums of money, often
in tax advantaged or tax deferred programs, for retirement. Folks who
hope or expect to live as well in retirement as they do when working
will certainly need to make such investments throughout their working
career. Why is it necessary to gut social security in the process?