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I too was disappointed in Fritz's use of the term 'entitlement' for SS benefits. When I taught personal financial planning at a local university, I created a spreadsheet in which I input all of my & my employers' contributions to social security and when they were made. I then compounded them at 3.5% or so for the time until I was/would be at full retirement age (66). What I found was that I would be able to receive about 2x MORE income than I'd get from SS and if I 'd never deplete it. Fritz pls add thi