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8 months agoSimple solution for saving Social Security - raise or remove the cap on earnings.
Right now, we tax poor people higher than people making over $170k.
The more money you make, the less you pay. It’s a reverse-progressive tax. Let’s tax rich people the same as poor people.
You could put your 401k money in a money-market fund or something like that. It doesn’t have to be invested in the stock market.
Also, if you’re young, and you’ve got extra dough, do yourself a favor and start a Roth IRA. They are amazing.