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> Save your own money. If Social Security exists by the time I retire, great. I'm planning as if it won't.

I would guess that most people my age (between 35-45) got told some variant of this in their business and economics classes in university. At least, I hope they did.

Looking at Social Security budgets for about 20-30 minutes and what politicians have proposed to do to fix it is enough to make most reasonably-minded people understand that expecting anything more than token amounts of money from the program is idiotic.



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