I'm pretty sure I will fair better than those relying on their social security checks to fund their retirements. And I'm not relying on my 401K for my retirement. And do you think I have any faith in my social security? I'm 45, I truly doubt I will draw this even. As a matter of fact, I'm pretty sure I will get nailed, I'm sure in the name of fairness I will not get my "fair share" since "I won't need it".