[Zhang Fei]

“A lot of conservatives appear to believe there is some lockbox where “their” money is being saved for their retirement.”

No. They believe that they are owed what they paid in. If Medicare and Social Security are just more welfare programs for the indigent, then they need to be taken out of income taxes, not the regressive tax schemes currently in place to fund them.

[Captain Peter Blood]

The fallacy is that no one paid in anything for anything.
People never seem to understand that what they are paying is for those already getting those Social Programs.

The danger for the baby boomers and beyond is not enough people working to support those getting benefits.

I am almost 60 and have been reading the pro and con arguments over when to take SS, at 62 or later.

Given the Demographics, Budget problems, and the state of the Social Welfare programs financially, it might make sense to take it at 62 and get all you can before the implosion.