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Your social security payout is most affected by the money you first make when you're youngest. It makes a huge difference by far. And unfortunately this is the time when a lot of young people are told to go do things that are basically volunteer work or helping other people or doing all that other stuff. So for their efforts to not be going after the greedy money later in life they are very hurt. That first five and 10 years of income compounding over your life makes more difference than the last 20 years of your working life.

So I tell people be your most greedy when you're young. When everybody's trying to talk into working for last because you're just starting or you have to earn your way or any of that tell him to fuck off. Use your first five and 10 years to make absolutely as much money as you can and sock it away to compound interest. Then then if you want to go out and volunteer and do things like the old Peace corps or stay home to help your family when they're ill or all those things then that's the time to do it.

As for all the people who just went for the greedy jobs all their life if they were idiots they spent every bit they made which most people do because they are idiots and then they're going to get much more for social security from the government which is basically us because let's face it none of that money is invested. And they really shouldn't they should have been making so much money and saving it and investing it that they don't need any social security.