Correct until last sentence, which is wrong ...

... "Social security is close to bankrupt now, I doubt you can get your money back 100%."

Not true for both statements in this very sentence.

1) Over-stated solcial security bankruptcy. Read this article (or many other similar ones): http://www.forbes.com/sites/johntharvey/2014/08/14/social-security-cannot-go-bankrupt/#37afe4397f85

It is a logical impossibility for Social Security to go bankrupt. We can voluntarily choose to suspend or eliminate the program, but it could never fail because it “ran out of money.” This belief is the result of a common error: conceptualizing Social Security from the micro (individual) rather than the macro (economy-wide) perspective. It’s not a pension fund into which you put your money when you are young and from which you draw when you are old. It’s an immediate transfer from workers today to retirees today. That’s what it has always been and that’s what it has to be–there is no other possible way for it to work.

用中文简单的说SS就是用现在的钱贴给退休的人。避免钱不够的方式是: 1）停了(没人愿意); 2) 晚发/少给 - 这些年不是一直在这样做吗？

2) 因为富人贴穷人, 少缴的(但够点数)肯定占便宜 - That's the point in my original post. Let's talk with numbers.

We use your total yearly earnings to figure your Social Security credits. The amount needed for a credit in 2016 is $1,260. You can earn a maximum of four credits for any year. The amount needed to earn one credit increases automatically each year when average wages increase.

多算点, $1500X4=6000/12=500/月. $500X0.15=$75/月. 即对自雇者每月交75块大洋就挣到Social Security & Medicare(缴十年够点)。退休之后每月拿10或15倍, 拿20年(assume you live till 87-89 yrs old).  Did you get 100% of your money back? Of course NOT. You will get back a lot more...

所有跟帖： 

• did you watch Republican primary election debate in Florida! (-: -mako2013- ♂ (62 bytes) () 03/24/2016 postreply 21:30:22

• take last year cap,$117000.00 -mako2013- ♂ (306 bytes) () 03/24/2016 postreply 22:23:34