A fun exercise is to log onto the Social Security benefits website and look at your annual contributions over a lifetime.

Multiply that by 2 (employer pays an equal amount into Social Security).

Ask yourself if you could have done something, anything better with that pool of cash over the years.

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(Side note: maximum SS tax for 2026 is $11,439 x 2 = $22,878 for those of us making over $180k ish this year)

Personally, I just see it as yet another tax I'll never get any benefit from. Thank god Congress hasn't removed the cap on the taxable wage base.

(For now. Although it would "fix" Social Security for awhile)