RML- You missed the point of my post. My point is if we were allowed to put 5% of our s/s into our OWN retirement account we would better off at retirement, than if we didn't. That is the 5% GB was talking about to privatize. Every employee in this country can afford to do this.

Oh by the way, I am very aware of laborers, the janitors, the groundsworkers, and the daycare people. I have been one of them all my life. Never going to be rich, never going to be one of those snivelly have noter's either. I got what I got. It's not much. But at least I've been able to put a little away for my OWN retirement.