SS is not an entitlement, far from it. What you paid in you will get part of it back, most of us will lose money (dying early) and if you would have taken all the money that you and your employers put in SS for 4 or 5 decades and allowed you to invest it with compounded interest, you are getting .10 on a dollar return from SS.
I cashed out 2 retirements plans that would have paid me a couple thousand a month after 65 and I invested that money and I’m making more than what those retirement plans would have paid me.
Do the math using compounding interest, you doing your own retirement using those SS dollars that you and your employer paid in over 40 - 45 years and then let me know if you will ever break even.
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