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Although the OP doesn't provide enough information, the main issue here my not be a better return on invested vs future Social Security may be Social Security eligibility, which not only would have to do with eligibility for a SS benefit, but also for Medicare.

Social Security retirement benefits eligibility on one's own work record requires 40 'good quarters', a kind of cliff vesting scheme. Most do not have a problem meeting this over their working years...but a few may, due to any number of personal factors.

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