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Yeah if given a chance I would 100% opt out. Even if it was post tax dollars. I would rather manage my own future.

Social security is quasi-mandatory minimal insurance against you failing your personal retirement investments (quasi-mandatory because their are a narrow set of employers not required to participate, so you can opt-out by choosing to work for one of them.)

What contract? I'm in my early 30s and when I look at social security, healthcare costs, and housing costs I see the results of older generations shirking their load at the cost of future generations

> Social Security as it exists now is a Ponzi scheme.

Only if younger generations disappear Children-of-Men style.