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If you ask an investment adviser, they can come up with a retirement plan in about 5 minutes that beats SS 2 to 1, but the problem is

1. The government wouldn't control your money.

2. You wouldn't be giving any of your money to people that have never even had a job, or even illegal aliens.

3.The government wouldn't control your money.

4. The liberals wouldn't be able to threaten seniors anymore.

5. And finally, the government wouldn't control your money anymore.

Obviously, if the government didn't control your money, they couldn't control you. I was a resident in Galveston County when this happened. It was a bold move back then, but it obviously paid off. after about 20 years, CBS did a story on it and showed county clerks retiring driving motor homes. Blue collar workers were retiring with new homes with pools and a vacation to Europe. Chile also copied the plan after decades of socialism and revolutions. It is telling that no one is traveling to Galveston county anymore to follow up on this story. The problem arises when a 22 year old that has never had a job and never paid into the system has a motorcycle wreck and is deemed disabled for life. He/she gets OUR SS money. A father dies and his children gets his SS for another 15 years and has never worked. A child acts up in class and gets on Ridilin and gets payments for life. SS is a different program than a savings plan for retirement. We should have the retirement savings plans for individuals and welfare for the non payers. It would do 2 things. It would show how well a person could do if they work hard and save their money, and show how a person has to go begging and depend on others if you don't work. Their disability may not be their fault, but it shouldn't be a slam dunk to watch a lawyer ad on TV and get your check. A retirement plan is just inherently different than SS. Our problem today stems from people believing they can live on SS alone.

I worked for and saved my retirement money even before a 401K was allowed. SS is an add on I will get when I ask for it. I lived on the idea that SS wouldn't be there when I needed it. To try and live on just that money would be impossible. Our town is full of those people trying to live on $1200 a month and even less. We have met a married couple that gets about $650 a month and lives entirely on that. No plumbing, no heat, no air, nothing. It's mid-evil.

On the workers side, SS started with 16 workers supporting 1 retiree. Today, its 2 workers to 1 retiree. That means if a retiree draws $2k a month, my daughter pays $1k and someone else must pay the other $1k. Just imagine when it gets to 1 worker paying the whole $2k for 1 retiree. After that point, the inevitable conclusion is 1 worker paying for multiple retiree's. The natural result there would be less money for each retiree. If a retiree has trouble living on $1800 a month, wait till he has to live on $1400 a month. Eventually $600 a month.

The lesson,....socialism doesn't work, and have your own retirement plan. My 6th grade teacher taught me socialism doesn't work, so I prepared myself. What do teachers teach today?