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Thanks for explaining the system the way it works...warts and all. While I would like to think I would have invested the money wisely as an individual, I doubt that the funds would have survived the emergency appendectomy; teeth straightening; the "must have" prom dress (I have four daughters); and college education financing. Social Security, as a requirement, is necessary for the minions, like me, who started too little planning too late. Thanks, Pixy, for putting everything in perspective....Wes
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