[calenel]

If you count the employer contributions, the total return for an average lifespan, average wage worker is only about 85% - in other words, you get back less money than you put in. And that doesn't even consider inflation.

[willyone]

Don't forget that if you die before drawing anything out of the system all your contributions are gone. You cannot leave them to grown children, grand kids or anyone else. What a deal huh.