I didn't ask to be in Social Security. I wasn't given a choice. I would much rather have had the money to invest the way I saw fit. Did you ever hear of the Galvestan Project? These people were allowed to opt out of SS. They put their money in bonds and annuities that had guaranteed fixed interest rates. They are getting considerably more money than if they had put their money in SS. Why does the government always think they know better how to spend our money???