Excellent comments, the best.
IMHO, the reality of funding is
left out .. especially for those under age 50, to keep funding their Social Security.
Just read about a successful art dealer, who always got the bills paid .. and never paid into SocSec. Now, he’s age 65, and only going to get $700/month from SocSec. That’s bad .. really bad.
IMHO, that’s what guys like “Bob” on YouTube leave out. Bob will tell you, he was a union worker, with a good pension and paid-up SocSec. That’s one situation.
And if you’re not in the same situation .. and under age 50 .. you need to keep paying into SocSec, to keep eligible. Yeah, complain that it is run by clown-politicians .. you need those benefit-credits.