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You Are Investing in a Ponzi Scheme

Over 87 years ago, Franklin D. Roosevelt screwed us all.

Without knowing it, he built the greatest Ponzi scheme in the history of the world.

You invest in it every year.

Unfortunately… so do I.

The Ponzi scheme I am referring to, of course, is social security…

Unintended Consequences

The Social Security Act of 1935 guaranteed pensions for millions of Americans.

The idea made sense. And I’m sure Roosevelt’s intentions were noble.

But like most things the government touches, the outcome has been far from it.

We shouldn’t be surprised…

Social Security is run by the United States federal government – the most financially irresponsible organization on the planet.

As of this month, the US is in debt to the tune of $30,595,969,570,771.

This equates to $235,479 owed for every household and $91,895 for every man, woman or child living in the US.

And we wonder why inflation is so high…

Times Change

The first Social Security recipient was Ida May Fuller.

She contributed a total of $24.75.

She collected a total of $22,888.92.

That’s a 92,380% return on her money. To put that in perspective, fraudster Bernie Madoff was returning around 12% a year for his clients.

I am 39 years old. At current projections, I will have paid over one million dollars into social security by the time I am 70.

Yet, I will only qualify to receive $4,243 per month.

Assuming the average life expectancy of 78 years, I will collect a total of $407,328.

A million dollars in. $400,000 out.

That money would be worth six million dollars invested in the S&P 500.

Blame Uncle Sam

How is this possible you ask?

And how is Social Security bankrupt if it’s not even paying out what people put it?

Like I said… It’s a Ponzi scheme!

Uncle Sam has been spending your money instead of investing or even saving it.

When Social Security was enacted, the tax rate was 1% on your first $3,000 of income.

That’s equivalent to $61,274 in today’s dollars for a total max of $617 per year.

But because it’s a Ponzi scheme and they already spent your contribution, the tax rate has ballooned to 6.2% on your first $147,000 for a total of $9,114 per year…

Plus the other $9,114 your employer has to chip in.

You can see how the scam has progressed over time below. I have included the figures in today’s dollar for easy comparison…


  • Tax rate: 1.0%
  • Max income: $3,000
  • Max tax: $30
  • In today’s dollars: $617


  • Tax rate: 3.9%
  • Max income: $6,600
  • Max tax: $257
  • In today’s dollars: $2,300


  • Tax rate: 6.2%
  • Max income: $68,400
  • Max tax: $4,200
  • In today’s dollars: $7,900


  • Tax rate: 6.2%
  • Max income: $147,000
  • Max tax: $9,100

So how do you opt out of this giant fraudulent scheme?

You can’t… If you don’t pay, you go to jail.

And when someone says you have to invest in this or you’re going to prison… don’t expect stellar returns.

But the fact that most Americans won’t even break even on a lifetime of contributions is a disgrace.

If you’re not taking your personal investments seriously, this is your wake-up call.

No one is going to do it for you.

ESPECIALLY not Uncle Sam…

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Ross Givens
Editor, Stock Surge Daily

Ross Givens
Ross Givens

I bought my first stock when I was 12 years old. It was Microsoft. I’ve been a registered financial advisor. I’ve worked as a stock broker. I ran a managed fund. I was a Vice President at JP Morgan with Series 7, Series 66 and Series 3 securities licenses. I’ve been featured on Fox Business, CNBC, Bloomberg, and a bunch of other networks. The only thing I enjoy more than making money, is helping YOU make money.

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