[closeparen]

Money paid into social security is only for your retirement if you're scheduled to retire before social security is scheduled to become insolvent.

You're not encouraged to rely on public unemployment insurance - the standard financial planning advice is to save and maintain 6 months of expenses in a liquid account.

If the public retirement and unemployment systems in other countries are actually sufficient, so you don't need to fund a private cover for them, that's easily 20% more ready cash.

[mywittyname]

> Money paid into social security is only for your retirement if you're scheduled to retire before social security is scheduled to become insolvent.

You'll get Social Security benefits after retirement for as long as the SSA is around. It may not be the exact that dollar your employer is putting away for you now, but you'll get back something.