I've got about two years to go to collect SS, IF IT STILL EXISTS THEN.

Like Grumpy and everyone else here, I've paid into this Ponzi scheme my entire life. I don't think it was ever meant to be one's sole means of income upon retirement. It sure does make it rough on the lower wage earners to try and save any money at all on their own.

But try and save now regardless of your income. Even $5.00 a paycheck in a Roth IRA will add up over 30 years. However, our government does not want the people to be independent. The government still wants all the people to feed somewhere, somehow from the government's feed trough.