To bad RML s/s privatization wasn't explain right by GB. The average worker if allowed to do so, were able to put 5% of their s/s into their OWN retirment account early on in their carrer, they would be a lot better of at retirement time. It would more than likely pay more than the max monthy benifit s/s pays now. I have been paying into my own retirement account for years. Not going to be rich at retirement but I'll be OK, and have money to give to the kids when I die. You really get nothing from s/s. I'll stop ther and save it for another post about s/s. Hint: It's the biggest government rip off going.