[quote=UCGal]I may be opening up a can of worms here but…..

SS is a defined benefit retirement program. Does everyone here who argues against defined benefit plans want to give up their SS?[/quote]

Absolutely !

You say “give up their SS” but really that also means “giving up paying into the SS system and letting someone else manage my money.”

Can I have all the money back that I have paid in, then ?

I’m self-employed so I pay double, by the way.