SS a safety net? If I could take 15% of my pay and invest it I would not be worried about my retirement. I gues our difference comes down to the fact that I think people are intelligent enough to control thier own destiny, you seem to think that the majority of people are too stupid/greedy/lazy to handle their own affairs. Last I looked this country was founded on freedom. ALL the problems this country has can be traced to this believe that the government knows better than its citizens.