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Social Security has each generation depend on the next generation paying for its retirement. That's kind of what happened historically, when kids took care of aging parents. Problem is that everyone else's kids pay for your retirement, which means that your incentive to do the work of raising kids goes away; Social Security puts the load on people who have kids to turn them into the next generation of productive workers. It's great if you never raise kids, but it's a pretty raw deal if you do raise kids.
It also deals poorly with scenarios where the population pyramid inverts -- like, birth rates fall off and such. Then suddenly instead of lots of kids supporting a few older people's retirement, you have a lot of retirees expecting a few younger people to pay for their retirement.
I'd kinda favor 401(k)s or something more like that; that has each generation fund its own retirement, rather than relying on the next. That way, the payments in are proportional to the size of the population cohort, rather than proportional to the size of some other population cohort (like, the next generation).
I'd rather not have to rely on market gambling to survive in my old age. Many people probably agreed with you until about 2008, when a LOT of retirees lost most of their retirement money during the recession and a lot of really old people went back to work. It was pretty bad, and I'll never forget it.
Not that it matters. I can barely afford to live week to week now, let alone save money for retirement. I'll probably just die, I guess. 🤷♀️
could you fucking hurry up about it, there's a line forming.
I can't afford the queue fee