@no1marauder saidAnd the option is...
Social Security is an antipoverty program not really a retirement system:
"Before Social Security, in 1934, roughly one half of seniors were estimated to be poor. Most had to rely on family or friends, or go to the poor house. As ever more seniors paid into Social Security and then received retirement benefits, the poverty rate among seniors steadily declined from circ ...[text shortened]... he (misnamed) US Libertarian Party offer zero practical solutions to the problem of elderly poverty.
Letting the BIG PIGS administer our retirement funds and watch them rip it off so
badly that they make Bernie Madoff look like a choir boy., Nice, huh?
There are many elderly in America on "heat or eat" because they can't do both.
We should be getting twice as much in our checks. But, BIG PIGS had their say.
Lovely.