So if I have paid SS for over 40 years but have an income over $100,000, I would get nothing ? Huge disincentive for private savings and continuing to do some work(which would put money into the SS coffers).I'm not sure it is a huge disincentive for many people. I know I don't want to depend on government benefits by not having any savings. If the choice was have your own assets and no SS versus have no assets and receive SS, I know what my choice would be.IF
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