Let's be real here, most of us can't wait for retirement. I'm not really worried about what I will do when I retire, because I know what I will not have to do any longer and that is work. Working is not only what you do once you arrive because you need to work but it's the grind of getting there and getting home also. They say work is not supposed to be fun, so now you should understand why people can't wait to retire. I vote that people should be able to make voluntary contributions to social security and medicare, in that social security and medicare are automatically deducted from paychecks of those who work for an employer. If you are self employed then you are responsible for making the deductions of an employer and employee, as this depends on how you work either as a business or independent worker. Which means in order to collect from social security and or medicare you have to pay into it. But what if you wanted to retire early? There is no law that says what age is too young to retire. Although, there is an age when you are eligible to collect your social security and medicare benefits, otherwise it would be a waste to leave them uncollected, since they money and benefits are yours and you have earned them by working. The law should be adjusted to accommodate those who want to retire early by paying into the social security system/medicare voluntarily. The more people contribute to the system in their early years of working, the more social security has to invest with to keep up with the demand of people retiring and the increasing cost of living. If a person even doubles or triples the amount of social security/medicare he or she contributes then, that money can be put to use by social security many years before a person actually retires. For example: if at the age of thirty, a person decides to take part in the voluntary social security and medicare contribution program. They continue to contribute money and their projected monthly payout will be adjusted according to what is contributed yearly. Which means that one can receive the maximum payout of social security regardless of what they earned or how long they worked because it is voluntary and not limited due to salary restrictions. Once they contribute enough to receive the maximum amount they need not pay into the system anymore because they have maxed out on contributions, with a mandatory twenty-five to thirty year contribution; after all is said and done that person may be able to retire at sixty or maybe even sooner. The great part for social security/medicare is that they receive an increase of contributions twenty-five or thirty years before people or retirees are eligible to collect it. In doing so this can alleviate the employment sector to make way for younger workers and those who are sixty or getting there and need their social security to be an amount worth the cost of living, so they can finally retire after working for so many years. If work is not supposed to be fun, then who want's to do it until they of course die? Let's remove this obstacle by having voluntary contributions to social security and medicare.
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