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You make very valid points about determining the actual outcome we prefer and channeling solutions to achieve them.

There is some nuance. For example, a $5k tax credit might help me level the playing field today, but that $5k difference still exists for social security calculation.




> There is some nuance. For example, a $5k tax credit might help me level the playing field today, but that $5k difference still exists for social security calculation.

Sure, so identify the problems and fix them. The way social security works is illogical. It's supposed to be a safety net, so why do we pay in proportion to past income rather than giving everyone the same amount? Do the affluent somehow need a larger safety net? If anything they should be expected to have more of their own savings.


The system is perfectly logical, the more you pay in over your career (based on income), the more you receive annually upon retirement. The real question is whether this is the optimal setup for broader society.




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