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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Maybe you are too young but GWBush tried to get legislation to allow current workers to invest some of their SS contributions into higher yielding investments. The dems would not allow any changes in SS and accused Rs of "risking the retirements" of seniors in the "risky" stock market. The whole plan died.
Now I can't remember how it was to work in that the inflow into SS just turns around and outflows to retirees as it works now. There never has been a Trust Fund and any overages above needed liabilities in the past were just absorbed into the general fund and spent.
As a retiree, I'm glad I stuffed so much money into the stock market. I'll bet on American business every day.