I got my annual social security summary today, which is a bit of a cruel joke. It essentially says, “here’s all the money we’ve taken from you, which you’ll never see again because the system will either be collapse or have benefits drastically reduced. before you retire” I’d much rather have that money going into some tax-advantaged account that I can manage and know exactly what I have for retirement. Trusting three decades of Congress with that money just doesn’t seem like a wise investment.