Im no economist but I do not understand why the retirement checks (based on social security records) do not match your actual work history.
Lets say a senior that worked his entire life with an average $18 an hour wage (just making numbers up) retires. His S.S. check comes in reflecting barely $7 an hour.
I mean... if I work my bellybutton off for 50+ years why am I not entitled to the fruits of my labor? Heck, a nifty portion of my check is deducted for this fund by the gov. and theres nothing I can do about it. I can sure as hell do a lot better than the gov. investing those bucks they take out of my check.
anyways... nm.