I am glad I paid into it. If people had a choice back then, how many young folks would have actually been disciplined enough to pay into another form of retirement savings? I would think not many. Plus, in this day and time I don't think there would be many that would be all that disciplined either. It is a good thing we have it. I am to young to start collecting, but I consider it a benefit of my retirement. I was certainly blessed to have a job that offered a pension also. I do not feel one iota guilty about it either. It will "benefit" me in later years and I am grateful it is there. For many it is trying to make ends meet.
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