If you are financially savvy at an early age and opted for your own investment strategy you would be one of a very few. Based on the performance of my professionally managed IRA over the past 15 years, it has been a roller coaster ride with every up and down of the market. Ask anyone who has an IRA. In addition to market fluctuations you have to be alert to the integrity, or lack thereof, of your investment advisor. Ask around. In Northeast Ohio we had several who caused more than a few folks to have to return to work.
Regardless of your political philosophy I've found even the most conservative people happy for the monthly SS check.
"A government of the people, by the people and for the people.." A. Lincoln
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