Comment: Being self employed

Requires that I pay double the SS rate. so I pay 15% to SS and medicare..in effect for someone else. My rational 30 years ago was if I am paying 15% of my wages for someone else's retirement, the least I can do is save 15% for me. So for me, I did the right thing as I am less than 5 years from retirement and have a nice stash in my retirement accounts. However one of my biggest concerns is that the government will soon start means testing many programs including SS and medicare, meaning I have a great chance of paying my entire working life for SS and medicare and not receive any benefits.

And I think that anyone that has not considered a ROTH is missing the boat.