[upchuck]

I turned 62 last year and had to decide whether to take the money now or wait till I'm 65.

I chose to take the money now because I have doubts as to future benefits.

Social Security needs to be slowly privatized over a period of time. I'm sure some actuarial could figure out what the ratio should be to continue to fund benefits for folks like me and to fund private investment vehicles for those coming up.

[Chi-townChief]

I got a few more years to go but I, too, am strongly considering grabbing whatver they offer as soon as I can get it. Privatization is in deep hibernation for awhile.