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I tend to believe in the solvency of some form of social security, but also believe that we are very likely to see a creeping erosion of benefits moving forward. *So the earlier you start collecting, the more likely you might be to reap at a higher benefit rate. *That would tend to make me favor early withdrawal.
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SG,
You are thinking logically and forget about politics. The experts predict that SS will remain untouched for those over 50. Reason: - Too big a voting block hence Political Suicide - Hence someone else that won't touch it will be elected.
What they will do is screw the very young (just like today - Tax cuts and Borrow for war in Iraq) and unborn. Also screw bigtime with medicare. Only affects sick people, a minority of the population. If you're 50 + you can take SS to the bank. Probably safer than T-Bills!
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