re: The Coming Social Security Crisis

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I don't see any returns less than 2.09,

Interesting article none the less.

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I could be wrong but I don't see any data supplied for workers that pass before full retirment age. I am sure they would have a hard time tracking that down. I am also sure that would push the ROI on the program as a whole lower.

The truth of the matter is... It is a horrible program for retirement and the government still can't get its act together to not steal from it.

In my case I will have paid in about $432,000 ($864,000 with employer match) by full retirement age with a $40,800 year payment (If no changes made to restrict it) per year. If I live to my expected life age of 79, I will have collected $489,000 on a combined investment of $864,000.00.

It is also modeled like an annuity. Once you die the benefits cease except for surviorship for minors (I have none any longer) and my spouse provided she doesn't remarry by 67. The rules and crap tied into this program make it very lucrative for the Govt but totally screw us. Now they want to restrict it more.

I ran the #'s. At 44 years of age I would have been better off forfeiting all contributions walking away from the program left to invest future contributions with a disability rider. The program is that bad.