re: Social Security - Help me understand better

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Reading the rules, Im trying to understand why the program can't be better or terminated/transferred into other things now that roth and 401k programs are so mature without effecting certain people.

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It could be. It won't be though.

You are thinking of SS as a retirement benefit.

In reality, SS is a government funding mechanism. Employed Americans and their employers are forced to lend the Government money over the course of the worker's career. When the worker retires, the Government returns the borrowed money in monthly aliquots and at a terrible ROI.