Once again this went over your head. COMPLETELY over your head. Social Security is the ONLY investment that is backed by the full faith and credit of the United States. Your mighty Fedex retirement is not federally insured beyond what the PBGC can pay which from a monthly benefit perspective if called upon only pays generally about 50-60% of the beneficiary's usual monthly benefit and a lot of people were rudely introduced to that reality Oh sure, you've got your mighty 401K from which you eventually are required to begin drawing from which in turn means it will run completely dry sooner or later. You can go on trying to make the rest of us believe that you're set for life if you think it serves your interests.... but we know better.I can't help it if your line haul guy didn't have a good plan and is trying to make up for lost time. If he actually thinks he is gonna live a nice retirement on Social Security, he is badly mistaken. Didn't he enroll in the 401k? Didn't he invest? He is friends with you and you tell us you are the smartest investor on the planet. Why didn't you guide him to a successful retirement. I haven't even touched my company retirement and won't for 3 or 4 more years. 401k is letting me live the dream. You, cactus and tex pissed away your chance at a great retirement and it kills you to see anyone that had a plan and made it pay off when the time came.