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How's this for a good way to fix SSN?
I sign a form now saying I give up all my future claims against the system. I forfeit any monies I have paid in over the last 30 years or so, which is a pretty sizable chunk of money. I don't pay any more Social Security Tax, and my employer adds what they paid into the system to my check. Then I am completely responsible for my own retirement when that day comes, posing no burden on the government or the taxpayers any more.
How about that for a win/win solution?
No one pays my way if I blow my money or my investments fail, no welfare, nothing. I would be RESPONSIBLE for myself. That's what the word is all about.
I have to disagree on the bookkeeping nightmare. I would be no more difficult than what businesses do now. Part of the W4 would be a checkoff for SSN. And I'm a boomer who is willing to cough up that big wad of money I've paid into the system since the 70s with the agreement that I won't burden the system when my time comes. It's not for everybody, obviously, but for those who want to fend for themselves and accept any negative consequences, why not?
7 Antworten
- Anonymvor 1 JahrzehntBeste Antwort
You may be responsible and know how to properly invest but their are millions out there who are living on the edge. If you gave them the 7% for Social Security they would still be living on the edge, from month to month. As such when the day rolled around to retire they would have nothing in the till and then you have a welfare problem. Second thing is that Social Security is a form of leveling. People who make less than 50,000 actually have a higher retirement benefit relative to their earnings than those who earn more. It's socialism pure and simple. The idea being that higher income earners will have other sources of income beyond the Social Security Check when retirement rolls around. Which is a major reason the government is trying to raise the amount that is taxed to feed into the system. The engineers, doctors, nurses and others with a high wage structure are what keep the system afloat.
- Anonymvor 1 Jahrzehnt
As nice as an opt-out plan sounds on paper, it would be such a logistical mess, especially for small business owners, to deal with payroll. Not to mention enforcement of SST payment. Also, the system would implode. There already aren't enough people paying in to keep it afloat, so if a sizable chunk opts out, it does not help the issue of a large number of baby boomers just starting to collect on all of the money they paid into the system (and with them so close to retirement, it would be a huge loss to opt out so late in the game).
- JimLv 7vor 1 Jahrzehnt
Good for you. But I don't think you'll get many followers. People will not like forfeiting what they've already paid. That's what Roosevelt was betting on when he funded SS with a payroll tax instead of income or national sales tax.
- SnakeMANLv 4vor 1 Jahrzehnt
Sounds good to me as a working man but, how do you convince the welfare class that did not give a **** about the future.
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- graponmytiredLv 5vor 1 Jahrzehnt
Become a teacher. They don't pay into the federal system, as they have their own system for it.
- Anonymvor 1 Jahrzehnt
no because most people would blow the money and live on welfare
