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Usually you don't get much of a choice as to whether you pay social security taxes. You either owe them, and pay, or don't owe them, and don't pay.

If you can somehow structure your income and have a choice between owing them and not, choose not. Invest the money you would have otherwise paid as taxes in your own, private, retirement account.

I would suggest putting into an IRA at Vanguard and investing in a target retirement fund, or total market index.
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