Thanks, WW. I am not a finance guy, and my eyes glaze over when people debate things like the federal budget. I know my limitations. So I appreciate your effort to frame the issue in ways that are easier for me to understand. Again, thanks.
I wrote this because of a conversation I had with my mom the other day. Her and my dad both voted for Trump 3 times and both of them now regret it because they are watching everything they worked their entire life for being taken away from them and are afraid they are going to end up having to mortgage the house they spent 30 years paying off just to be able to afford their medication.
I don’t know if it would help, WW, but you can tell your parents I voted against Trump 3 times, yet I disliked who I voted for each time I did so. It is just my opinion, but I think the last 3 presidential elections have had the worst options of any in my lifetime. Even though I voted “against Trump” I do not blame anyone who voted “against” the other 3.
Two cheeks on the same ass. They're all acting puppets, working for the real powers pulling the strings. The left-right paradigm was sent up to create division among us and to give the illusion that we have some hand in how things are run. We don't.
Hi, Enemy territory..But figured I’d throw ya’ll a bone.
Get used to it. Democracy isn’t real.
Nearly everyone over the Age of 40 doesn’t understand their government.
The rich can always scheme with each other.
Anyways, the entire Post WW2 Era has been a mirage and there is not much need to keep it up.
I’ll vote for Cheeto man, Thiel whoever. Whoever promises to smother this insufferable delusional the quickest is good in my book. You guys used it all for you, and we get to pick up the leftovers.
Thank you for this awakening. For a very long time, the income ceiling above which the Social Security tax is not collected should have been eliminated so that the rich would have been taxed at 100 % of income just like the poorest amongst us. ELIMINATE THE CEILING NOW!!
I might be the poorest piece of white trash ever to vote Republican but I too agree that this is getting excessive at this point. No one on Earth needs more than 5 billion dollars to their name. The government has basically allowed a few thousand people to own everything and then managed to convince half of Americans to cheer for the people robbing and enslaving their grandchildren for doing it.
Ever notice that the acronym for Social Security (SS) is a lot like that acronym for another group of Nazi's during WWII? It's not coincidence. 62 years old and never paid a cent of taxes to the IRS. Sure I'm NOT eligible for SS but that's okay. I do have free dental and medical though. If you want to know my secret go ahead and ask.
Problem is the math never added up. In the 1930s, there were multiple players to one recipient. Today, with retirees, grifters, it's near 1:1. System cannot handle this. It was a great political point in the 1930s, but few extrapolated the consequences.
The math never added up because in the 1930s and for 20 years thereafter, the rate was 2% on the first $3,000 of income. The benefits paid out for today’s recipients has far exceeded anything the individual paid in. But then again, Congress never changed the life expectancy table, even as life expectancy increased considerably. Even today, the SSI benefits starts at the life expectancy number from the 1950s.
The Future Of U.S. Health Care: A Two-Tiered System The future of US Healthcare: The first tier in this two-tiered system will be a federally run, universal system in which basic health care is provided to everyone living in our country; costs are controlled to an affordable level; and quality of care continues to improve. The first step might be a national health database which was to be discussed by the Obama Administration. The second tier in our future health care system is one that allows a person to buy his or her way out of the waiting times, restrictions and limitations of the first tier. This second tier is where autonomy is preserved and individuals and groups can purchase insurance that looks much like what some of us enjoy today. Those who do not want to succumb to rationing or the government, deciding that a year of their life is not worth the cost associated with a certain procedure, can purchase private insurance to cover these services. (Change Is Imminent) The United States is likely going to see drastic changes to its health care system in the decades to come.
Systems such as those in Canada and the United Kingdom will lend much information to us in this building process. There is a lot of difficult work to be done to reach these goals, but clearly the time to start is upon us. Remember all the backlash when Republicans talked about death panels in it. Looks like another debunked, to late conspiracy fact.
It's called the Canadian Dental Care Plan and is based on income. In my case I have 100% coverage which is the closest to free dental care one can get.
It’s actually SSI and stands for Social Security Insurance. The original intent was it would kick in if and when you outlived your retirement savings. So the age it begins paying out was based on the average lifespan, aka life expectancy. However, that intent changed quickly due to politics and it transformed into something akin to an extremely underfunded pension plan.
Ok. I subscribed. You have great material and obvious needs; it’s not much but I hope it helps. I too needed major dental work and it is extremely expensive and not covered by Medicare.
One thing that bothers me is Medicaid being lumped in with Medicare: no one receiving money from Medicaid contributed to that fund, unlike Medicare which has been automatically deducted from my paychecks for 50 years. OTOH, the American medical system is so corrupt and polluted that must people would be better off without it and trusting alternative medicine instead (DMSO, Ivermectin, avoiding vaccines, clean food etc.).
Also, Social Security is a joke as it is right now: when I began working, the amount taken out of my paycheck was about equal to an ounce of gold per paycheck (2 ounces per month) so receiving anything less than 2 ounces of gold per month currently is outright theft. Luckily I put in to start receiving SS when I turned 62 and was able to purchase more than a ounce of gold per month with the SS checks I was receiving (not anymore of course) but I did accumulate a fair amount for my personal retirement fund.
I would love more than anything to say that I'm shocked and surprised but instead this just gets added to the long list of lies, betrayals and disappointments in our so called Leaders, which they are NOT.....Good thing I TRUST IN GOD AND NOT IN MAN.....NO MATTER MY AGE ( I JUST HAPPEN TO BE A SENIOR) MY GOD HAS NEVER EVER ALLOWED ME TO GO WOTHOUT ANYTHING IVE EVER NEEDED
Actually Wolf, the Demoncraps started Social Security on the road to destruction when they put it into the general fund and Al Gore talked about the "lock box" that contained it, a total non-entity. The pols then went crazy spending SS on everything to buy votes including supporting any and all illegals and migrants with it. Not happy about loss of SS coming earlier than originally forcast, but without a beefed up military we are toast and the result will be our annihilation. May I suggest reading Plan Red by Gordon G. Chang that lays out how Xi Jinping and the CCP are working overtime to destroy the U.S., not take them over, but literally destroy each and every American. Too many useful idiot Americans are working for the CCP from their hatred of the U.S. and bribes being received. The Chinese think in terms of 100 years, not 2 or 4 like our political system, and their goal is a complete takeover and elimination of not our sovereignty but the country and replacement of Americans with Chinese as they need the land to feed their population. To the Chinese, the U.S. must be totally destroyed for China to rule the world, which goal was moved forward by the Biden and Obama administrations, especially the Biden's. President Trump is aware of their goals and what it will take to defeat them and their allies in NK and Iran and save the U.S. and its citizens. Treason and sedition, while forgotten by the MSM as crimes, are very much in favor with too many leftist and communist Americans as they work hand in glove with the Chinese and other foreign enemies. Now watch the lefties and their ilk attack this post!
While I agree with the very beginning of your comment, I respectfully disagree with SS being secondary to a beefed up military. I also believe China is a major threat, but I think the biggest threat is coming from within already. We have already been infiltrated and as much as China is definitely a threat, this country will fall because of the people we call leaders.
You all have to look at the number of israeli flags hanging outside all politicians offices, its here in Canada too, and this nasty habit both sides tell us about their friendship with israel! And both sides openly stating that they are "israel first". All politicians have strange allegiances we know nothing about, and many are cherry-picked, groomed, and assigned a lobby handler. Thats who they represent! And they play both side with tactics based on what group, left or right is ahead in the polls. Lefties want the same thing you want, food on the table, a roof over their head and fair pay for a days work! Plus, a future for their children and grandchildren. That's what governments promised!
We knew this fifty years ago when the math did not add up then. Supposedly Reagan kicked the can down the road forty years to 2012, but the problem remains, the trust fund never was, we are being paid in fiat currency, and people who never paid into the system are reaping benefit. Like what Bismarck did, social benefits are a net to ensnare the working man into believing he has a stake in the system and the system actually cares about him.
WW, I am a double-subscriber in Oregon. I, too, have had wisdom tooth infection problems resulting from a botched root canal breaking off a drill in a root decades ago. My gum flares up from time to time and is painful. But I have found a simple cure that eliminates the symptoms within a day or so. I put a drop of oregano oil on the infected area. It is horrible-tasting! But it attacks the infection and relieves the pain. To follow up after a couple of days, I put a drop in a half-glass of water and swish it around, and the entire mouth is sanitized. OK to swallow it. I also despise the medical industry and its unconscionable profit-driven agenda, and have not been to a doctor or a dentist for 50 years or more, relying on traditional remedies and practices. Wishing you the best. Jim
ive been using tea tree oil to some benefit but these things need to come out or i am going to die of a heart attack. the infection i had for the last 6+ months that I wasn’t even aware of until the other night almost killed me. been messing up my heart valve the entire time. doc says ‘you need to get these teeth fixed or you are going to die’ and that is what I gotta do I guess. no amount of oil is going to fix these things. they should have came out 20 years ago but I HATE dentists. I mean I have a weird phobia about them. I think it has something to do with Little Shop of Horrors (or possibly when I was molested by my dentist when he laughing gassed me. just kidding. maybe not.)
Thank you WW for providing good reading material. I ususlly don't comment about what I read and although I enjoy reading independant journalism I feel a lot of these kinds of articles (not necessarily by WW) 'feed' into the narratives and do very little other than get people more riled up rather than expanding on the subject material and provoking a double sided conversation. Doing this can provoke ideas and hope for people rather than continually doing nothing for the reader other than getting readers more pissed off and divided. In your article I see the same bashing of presidents, whether it is moron Biden who we all know was bought and paid for 10x over or Trump for those who say is owned by Israel (probably is) or Obama who was definately Muslim Brotherhood, scumbag Bush... and the list goes on and on. Rather than doing this why not go deeper? You did not mention the broader context; Trump also said; that funding Medicare/Medicaid should be funded by the States and I agree. Now... don't anyone go crazy and say I am a Trump supporter becasue I can give two shits about ANY of them. They all sit in their seats arrogantly for a reason which we all know; They're all bought and paid for and I don't trust ANY of them as far as I can spit. I often ask people all the time whether they trust their Govt and surprisingly they say they do which tells me where the converstaion is headed. I can't understand why people trust Govt after all the scams and lies they push on We The People. I DO agree that Gov't should be downsized by A LOT! I DO support moving 90% of so-called Gov't programs to the States where it should be as our founding fathers designed it. Gov't shouldn't be involved in any Gov't programs; all they should focus on should be border protection and infrastructure - that is it for the most part. All Govt does is fuck everything up and they launder money through these programs. Why not write more positively about how we as Americans can take back our soverignty and stop relying on Gov't to save us becasue they won't because none of them give a shit about you and me. You're a smart guy but I believe the focus, while bringing topics to light can also bring people together bc like it or not we are all in the same boat regardless of our political affiliations.
lol the uk has too many of their own issues right now… our nations are being destroyed by the people leading them deliberately because we are the greatest nations to ever exist in human history and the ‘people’ behind this plot know this and need to destroy us before we figure out ‘who’ they actually are.
Hey more people they kill less people they have to refund.... Just good business right? Trudeau killed so many senior citizens saving the corrupt govern-ment billions in social security & pension liabilities... Creative accounting!!!
WW, fantastic article as always, you left out the part ( and this can be a 10 part series) about wasteful spending with "Pork Barrel Spending" from top to bottom starting from the Federal all the way down to the State Level, wasteful Federal spending un accounted for and "Secret Spending" with NASA, CIA, etc, etc, etc!! The United States is a corporation that is Bankrupt morally and financially!! My father always said that the Roman Empire lasted 500 years and that the United States will not even come close to that!!
We talk about this at work, every year when we get a raise, we know that come January 1, we will be taking a pay cut as the deductions for medical insurance go up, swallowing any raise we might had be given.
I read an article by a recently retired man who stated he had done the math on his SS benefits. He claimed that if he had taken that 15% deducted from our pay checks and invested it modestly, he would have $1.9 million dollars in the bank. Now he is getting it doled out at $3800 per month and will never get the money he and his employers contributed.
Thanks, WW. I am not a finance guy, and my eyes glaze over when people debate things like the federal budget. I know my limitations. So I appreciate your effort to frame the issue in ways that are easier for me to understand. Again, thanks.
I wrote this because of a conversation I had with my mom the other day. Her and my dad both voted for Trump 3 times and both of them now regret it because they are watching everything they worked their entire life for being taken away from them and are afraid they are going to end up having to mortgage the house they spent 30 years paying off just to be able to afford their medication.
I don’t know if it would help, WW, but you can tell your parents I voted against Trump 3 times, yet I disliked who I voted for each time I did so. It is just my opinion, but I think the last 3 presidential elections have had the worst options of any in my lifetime. Even though I voted “against Trump” I do not blame anyone who voted “against” the other 3.
“We’re from the government, we’re here to help! “ 😂😂😂😂😂😂😂😂😂😂😂😂
Ronald Reagan quote?
Two cheeks on the same ass. They're all acting puppets, working for the real powers pulling the strings. The left-right paradigm was sent up to create division among us and to give the illusion that we have some hand in how things are run. We don't.
Hi, Enemy territory..But figured I’d throw ya’ll a bone.
Get used to it. Democracy isn’t real.
Nearly everyone over the Age of 40 doesn’t understand their government.
The rich can always scheme with each other.
Anyways, the entire Post WW2 Era has been a mirage and there is not much need to keep it up.
I’ll vote for Cheeto man, Thiel whoever. Whoever promises to smother this insufferable delusional the quickest is good in my book. You guys used it all for you, and we get to pick up the leftovers.
Thank you for this awakening. For a very long time, the income ceiling above which the Social Security tax is not collected should have been eliminated so that the rich would have been taxed at 100 % of income just like the poorest amongst us. ELIMINATE THE CEILING NOW!!
I might be the poorest piece of white trash ever to vote Republican but I too agree that this is getting excessive at this point. No one on Earth needs more than 5 billion dollars to their name. The government has basically allowed a few thousand people to own everything and then managed to convince half of Americans to cheer for the people robbing and enslaving their grandchildren for doing it.
Ever notice that the acronym for Social Security (SS) is a lot like that acronym for another group of Nazi's during WWII? It's not coincidence. 62 years old and never paid a cent of taxes to the IRS. Sure I'm NOT eligible for SS but that's okay. I do have free dental and medical though. If you want to know my secret go ahead and ask.
Problem is the math never added up. In the 1930s, there were multiple players to one recipient. Today, with retirees, grifters, it's near 1:1. System cannot handle this. It was a great political point in the 1930s, but few extrapolated the consequences.
The math never added up because in the 1930s and for 20 years thereafter, the rate was 2% on the first $3,000 of income. The benefits paid out for today’s recipients has far exceeded anything the individual paid in. But then again, Congress never changed the life expectancy table, even as life expectancy increased considerably. Even today, the SSI benefits starts at the life expectancy number from the 1950s.
Do tell, PLEASE LET US ALL KNOW YOUR LITTLE SECRET
Since you asked so nicely. I'm a Canadian. 😁
lol that does help
Yeah, so instead of SS we move to Canada and get MAiD instead of health care? Gotcha!
https://www.soa.org/globalassets/assets/files/resources/essays-monographs/future-us-healthcare/health-essay-2009-vernon.pdf
The Future Of U.S. Health Care: A Two-Tiered System The future of US Healthcare: The first tier in this two-tiered system will be a federally run, universal system in which basic health care is provided to everyone living in our country; costs are controlled to an affordable level; and quality of care continues to improve. The first step might be a national health database which was to be discussed by the Obama Administration. The second tier in our future health care system is one that allows a person to buy his or her way out of the waiting times, restrictions and limitations of the first tier. This second tier is where autonomy is preserved and individuals and groups can purchase insurance that looks much like what some of us enjoy today. Those who do not want to succumb to rationing or the government, deciding that a year of their life is not worth the cost associated with a certain procedure, can purchase private insurance to cover these services. (Change Is Imminent) The United States is likely going to see drastic changes to its health care system in the decades to come.
Systems such as those in Canada and the United Kingdom will lend much information to us in this building process. There is a lot of difficult work to be done to reach these goals, but clearly the time to start is upon us. Remember all the backlash when Republicans talked about death panels in it. Looks like another debunked, to late conspiracy fact.
https://www.ronjohnson.senate.gov/2014/11/liberals-figure-you-need-a-comic-book-not-the-truth
https://www.dailysignal.com/2014/11/09/caught-camera-obamacare-architect-admits-deceiving-americans-pass-law/
There’s no free dental in Canada… (I am one as well).
It's called the Canadian Dental Care Plan and is based on income. In my case I have 100% coverage which is the closest to free dental care one can get.
It’s actually SSI and stands for Social Security Insurance. The original intent was it would kick in if and when you outlived your retirement savings. So the age it begins paying out was based on the average lifespan, aka life expectancy. However, that intent changed quickly due to politics and it transformed into something akin to an extremely underfunded pension plan.
Anyone get their tariff refund cheque? Of course not Walmart got it. Wake up world.
Ok. I subscribed. You have great material and obvious needs; it’s not much but I hope it helps. I too needed major dental work and it is extremely expensive and not covered by Medicare.
One thing that bothers me is Medicaid being lumped in with Medicare: no one receiving money from Medicaid contributed to that fund, unlike Medicare which has been automatically deducted from my paychecks for 50 years. OTOH, the American medical system is so corrupt and polluted that must people would be better off without it and trusting alternative medicine instead (DMSO, Ivermectin, avoiding vaccines, clean food etc.).
Also, Social Security is a joke as it is right now: when I began working, the amount taken out of my paycheck was about equal to an ounce of gold per paycheck (2 ounces per month) so receiving anything less than 2 ounces of gold per month currently is outright theft. Luckily I put in to start receiving SS when I turned 62 and was able to purchase more than a ounce of gold per month with the SS checks I was receiving (not anymore of course) but I did accumulate a fair amount for my personal retirement fund.
I would love more than anything to say that I'm shocked and surprised but instead this just gets added to the long list of lies, betrayals and disappointments in our so called Leaders, which they are NOT.....Good thing I TRUST IN GOD AND NOT IN MAN.....NO MATTER MY AGE ( I JUST HAPPEN TO BE A SENIOR) MY GOD HAS NEVER EVER ALLOWED ME TO GO WOTHOUT ANYTHING IVE EVER NEEDED
Actually Wolf, the Demoncraps started Social Security on the road to destruction when they put it into the general fund and Al Gore talked about the "lock box" that contained it, a total non-entity. The pols then went crazy spending SS on everything to buy votes including supporting any and all illegals and migrants with it. Not happy about loss of SS coming earlier than originally forcast, but without a beefed up military we are toast and the result will be our annihilation. May I suggest reading Plan Red by Gordon G. Chang that lays out how Xi Jinping and the CCP are working overtime to destroy the U.S., not take them over, but literally destroy each and every American. Too many useful idiot Americans are working for the CCP from their hatred of the U.S. and bribes being received. The Chinese think in terms of 100 years, not 2 or 4 like our political system, and their goal is a complete takeover and elimination of not our sovereignty but the country and replacement of Americans with Chinese as they need the land to feed their population. To the Chinese, the U.S. must be totally destroyed for China to rule the world, which goal was moved forward by the Biden and Obama administrations, especially the Biden's. President Trump is aware of their goals and what it will take to defeat them and their allies in NK and Iran and save the U.S. and its citizens. Treason and sedition, while forgotten by the MSM as crimes, are very much in favor with too many leftist and communist Americans as they work hand in glove with the Chinese and other foreign enemies. Now watch the lefties and their ilk attack this post!
While I agree with the very beginning of your comment, I respectfully disagree with SS being secondary to a beefed up military. I also believe China is a major threat, but I think the biggest threat is coming from within already. We have already been infiltrated and as much as China is definitely a threat, this country will fall because of the people we call leaders.
You all have to look at the number of israeli flags hanging outside all politicians offices, its here in Canada too, and this nasty habit both sides tell us about their friendship with israel! And both sides openly stating that they are "israel first". All politicians have strange allegiances we know nothing about, and many are cherry-picked, groomed, and assigned a lobby handler. Thats who they represent! And they play both side with tactics based on what group, left or right is ahead in the polls. Lefties want the same thing you want, food on the table, a roof over their head and fair pay for a days work! Plus, a future for their children and grandchildren. That's what governments promised!
We knew this fifty years ago when the math did not add up then. Supposedly Reagan kicked the can down the road forty years to 2012, but the problem remains, the trust fund never was, we are being paid in fiat currency, and people who never paid into the system are reaping benefit. Like what Bismarck did, social benefits are a net to ensnare the working man into believing he has a stake in the system and the system actually cares about him.
WW, I am a double-subscriber in Oregon. I, too, have had wisdom tooth infection problems resulting from a botched root canal breaking off a drill in a root decades ago. My gum flares up from time to time and is painful. But I have found a simple cure that eliminates the symptoms within a day or so. I put a drop of oregano oil on the infected area. It is horrible-tasting! But it attacks the infection and relieves the pain. To follow up after a couple of days, I put a drop in a half-glass of water and swish it around, and the entire mouth is sanitized. OK to swallow it. I also despise the medical industry and its unconscionable profit-driven agenda, and have not been to a doctor or a dentist for 50 years or more, relying on traditional remedies and practices. Wishing you the best. Jim
ive been using tea tree oil to some benefit but these things need to come out or i am going to die of a heart attack. the infection i had for the last 6+ months that I wasn’t even aware of until the other night almost killed me. been messing up my heart valve the entire time. doc says ‘you need to get these teeth fixed or you are going to die’ and that is what I gotta do I guess. no amount of oil is going to fix these things. they should have came out 20 years ago but I HATE dentists. I mean I have a weird phobia about them. I think it has something to do with Little Shop of Horrors (or possibly when I was molested by my dentist when he laughing gassed me. just kidding. maybe not.)
Pray tell, why does it have to be an illegal immigrant that will slit your throat on the bus when almost all of the time it's an American citizen?
'almost all the time'?
do you people even think before you speak?
😂😂😂😂😂
Dumb remark
Thank you WW for providing good reading material. I ususlly don't comment about what I read and although I enjoy reading independant journalism I feel a lot of these kinds of articles (not necessarily by WW) 'feed' into the narratives and do very little other than get people more riled up rather than expanding on the subject material and provoking a double sided conversation. Doing this can provoke ideas and hope for people rather than continually doing nothing for the reader other than getting readers more pissed off and divided. In your article I see the same bashing of presidents, whether it is moron Biden who we all know was bought and paid for 10x over or Trump for those who say is owned by Israel (probably is) or Obama who was definately Muslim Brotherhood, scumbag Bush... and the list goes on and on. Rather than doing this why not go deeper? You did not mention the broader context; Trump also said; that funding Medicare/Medicaid should be funded by the States and I agree. Now... don't anyone go crazy and say I am a Trump supporter becasue I can give two shits about ANY of them. They all sit in their seats arrogantly for a reason which we all know; They're all bought and paid for and I don't trust ANY of them as far as I can spit. I often ask people all the time whether they trust their Govt and surprisingly they say they do which tells me where the converstaion is headed. I can't understand why people trust Govt after all the scams and lies they push on We The People. I DO agree that Gov't should be downsized by A LOT! I DO support moving 90% of so-called Gov't programs to the States where it should be as our founding fathers designed it. Gov't shouldn't be involved in any Gov't programs; all they should focus on should be border protection and infrastructure - that is it for the most part. All Govt does is fuck everything up and they launder money through these programs. Why not write more positively about how we as Americans can take back our soverignty and stop relying on Gov't to save us becasue they won't because none of them give a shit about you and me. You're a smart guy but I believe the focus, while bringing topics to light can also bring people together bc like it or not we are all in the same boat regardless of our political affiliations.
Sounds Dutch.
This is comparable to how Rutte destroyed Dutch social security 20 years ago.
Copy / paste and BAM
If they can do it we can do it....
Thank Christ Britain stayed out of Trump’s shit show.
lol the uk has too many of their own issues right now… our nations are being destroyed by the people leading them deliberately because we are the greatest nations to ever exist in human history and the ‘people’ behind this plot know this and need to destroy us before we figure out ‘who’ they actually are.
Hey more people they kill less people they have to refund.... Just good business right? Trudeau killed so many senior citizens saving the corrupt govern-ment billions in social security & pension liabilities... Creative accounting!!!
WW, fantastic article as always, you left out the part ( and this can be a 10 part series) about wasteful spending with "Pork Barrel Spending" from top to bottom starting from the Federal all the way down to the State Level, wasteful Federal spending un accounted for and "Secret Spending" with NASA, CIA, etc, etc, etc!! The United States is a corporation that is Bankrupt morally and financially!! My father always said that the Roman Empire lasted 500 years and that the United States will not even come close to that!!
thats way too big a topic to address in 1500 words but yeah you’re right
We talk about this at work, every year when we get a raise, we know that come January 1, we will be taking a pay cut as the deductions for medical insurance go up, swallowing any raise we might had be given.
I read an article by a recently retired man who stated he had done the math on his SS benefits. He claimed that if he had taken that 15% deducted from our pay checks and invested it modestly, he would have $1.9 million dollars in the bank. Now he is getting it doled out at $3800 per month and will never get the money he and his employers contributed.