How cunningly insightfull you are. Over the past 32 years I have invested 40,000 into the SS system, and plan on putting in another 20,000 before retirement. At 5% interest over 60 years I should be entitled to about 350,000.00 -400,000.00 over the course of the remainder of my retirement years. Are you saying that I am not entitled to receive my money? WHY?