T. A. Gardner
Thread Killer
Neither FDR or the government were in the business of insuring SS will give you an extravagant retirement.
SS attractive source of supplemental retirement income for those who have pensions and savings.
SS removes a lot of risk from retirement decisions.
SS prevents those who don't have savings from falling into destitution.
You can thank FDR for your very attractive source of supplemental retirement income.
You are sneaking around and cheating on taxes for no valid reason. You're supposed to be able to legally work and continue to earn as much as you want if you took SS at the full retirement age.
Why should I thank anyone for what amounts to an irrelevant amount of income which would have been better managed if I were the one saving and investing it?
As for that last, SS has income limits when you work on a W-2. Income from investments, property, 1099's and a number of other sources that don't take out FICA don't count. It isn't "sneaking around and cheating" but rather taking full advantage of the system as it is designed.