Social Security: What It Really Is...
Social Security is a scam. The system is rigged by millionaire lawmakers benefiting the rich!
The government takes a percentage of your paycheck. Companies also contribute a percentage. The government tells you when you can retire and how much you can get. If you work, it will be taxed. Additionally, you pay insurance premiums! GOP lawmakers keep changing the rules. They adjust the retirement age and the payouts. You can still be taxed on your money!
Social Security: What It Really Is**
Social Security is not an investment. It’s a mandatory transfer system where:
- You pay 6.2% of your income
- Your employer pays another 6.2%
- That money goes to current retirees — not into an account for you
- You have no ownership, no control, and no compounding growth
What You Get Back
- You can’t retire early unless you accept reduced benefits
- You can’t earn too much in retirement or your benefits get taxed
- You must pay for Medicare premiums out of your Social Security check
- You don’t inherit your contributions — they vanish when you die
- You don’t get flexibility — no support for college, housing, emergencies, or caregiving
Who Gets Taxed — And Who Doesn’t
- Workers pay full Social Security tax on every dollar up to $184,500
- The rich stop paying after that cap — meaning billionaires pay a lower rate than teachers
- Corporations pay nothing on profits — only on wages
- Capital gains, dividends, and stock buybacks are exempt
So yes — the system does not tax wealth, only wages. And that disproportionately hurts low‑ and middle‑income workers.
The Blame Game
Politicians often say:
“It’s the elderly, the poor, and the disabled who are draining the process.”
But here’s the truth:
- The system was designed to be underfunded
- The wage cap protects the wealthy
- The lack of investment growth guarantees shortfalls
- The benefits are modest because the system never compounds
So no — it’s not the poor who are scamming the system.
It’s the system that’s failing the poor.
My Message,
“Social Security takes your money for 47–51 years. Then it gives you back a taxable check. It also tells you it’s your fault the system is going broke. Meanwhile, billionaires stop paying after $184,500 and corporations skate by untouched. That’s not a safety net — that’s a scam.”
Universal Life Fund: A New Financial Foundation
Overview
The Universal Life Fund (ULF) is a transformative financial model. It is designed to replace outdated systems like Social Security. The ULF is a modern, growth-oriented, life-stage support system. It begins at birth or upon citizenship. It provides annual contributions of $6,500 or more. These contributions are invested at a 5–7% growth rate. Unlike Social Security, the ULF is owned by the individual and supports multiple life events.
Key Features
Starts at Birth or Citizenship: Every person begins life with a financial foundation.
Annual Contribution: $6,500+ per year, invested at 5–7%.
Ownership and Control: Individuals own their funds and decide how to use them.
Multi-Purpose Support:
Education: Funds available for college or reskilling.
Housing: Support for first-time home purchases.
Medical Savings: $2,500/year allocated for health expenses.
Supplemental Income: Acts as a buffer during unemployment or reduced wages.
Retirement: Functions as a modern, compounding alternative to Social Security.
Why It Matters
Social Security is rigid, underfunded, and fails to grow wealth. The ULF offers:
Compounding growth
Flexibility across life stages
Intergenerational wealth
Economic stability
Vision
The Universal Life Fund is not just a financial tool — it’s a new social contract. It empowers individuals, stabilizes families, and strengthens communities by turning time into wealth and ownership into opportunity.
Personal Context and Challenges
Many people face challenges with the current Social Security system. These include rising retirement ages, reduced benefits, and taxation on income after retirement. For example, some individuals cannot earn above certain limits without losing Social Security benefits or healthcare coverage.
Student loan debt is another significant burden. Some loans grow substantially due to high interest rates. Additionally, there are limited forgiveness options. For example, a loan starting at $134,000 can grow to $350,000 with interest rates around 9%. The repayment options may be limited to very low monthly payments.
Why the ULF Matters to Me
I have experienced firsthand the limitations of the current system. These include restrictions on income after retirement. I have also faced challenges with student loan debt. This is why I am committed to developing the Universal Life Fund. I aim to create a financial foundation that helps others avoid these struggles. It will build lasting economic security.
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I am developing a project to help with Universal life occurrences like college, buying a house or retirement. My project focuses on assisting with major life events. Examples include pursuing higher education, purchasing a home, or planning for retirement. Universal Life Fund
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