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Who can say that the most prudent choice of action is to pretend that SS is simply a tax stolen from your paycheck every month and invest like it WON'T BE THERE when you retire?

Totally agree.

There was one sweet four year time span when I was in residency, we were considered state employees. We could opt out of paying into SS and into a deferred compensation plan that was ours. Like an individual IRA. Even though I didn't make jack as a resident, I managed to leave with $14k in my pocket.

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