SSI is totally un-funded, Collect what you can at the earliest age you can. It will run out. Maybe more sooner than later. I worked for 40 years, I would like to think that they saved enough to pay me back, they did not. Collect what ever you can for...

It's a very bad system, over the next 2 generations it should be gradually ended. Every 5 years you should be able to roll your 401k into an annunity, You pick your own retirement age, and have a life insurane policy for your family, some people will...