Perhaps you don't understand what I'm trying to say.
I'm saying that no one I spoke with under the age of 40 expects to even see a dime from SS. We know (I'm almost 38) that we'll be paying into it our whole lives, and we won't get a penny back.
We are on our own.
Everyone you know may be all set. I probably know many more people's financial situations than you do. I don't think I'm painting with a broad brush at all.
I'm 47, you think we'll see it?