It makes much more sense if you don't think about SS as a pension. It is a tax you pay to not have old people destitute on the streets. That's all. It isn't a s

It makes much more sense if you don't think about SS as a pension. It is a tax you pay to not have old people destitute on the streets. That's all. It isn't a savings account or an annuity. It's a tax to take care of old people today. When you get old, you may be eligible for funding to keep you off the streets. You might not. That is what SS is and should be marketed as.