Letâs cut through the fantasy:
Most government-run social security systems arenât social. And they sure as hell arenât secure.
They are slow-motion Ponzi schemes â where the buy-in isnât optional, the returns are an insult, and the only winners are either too poor to care or too rich to participate.
𧎠The Mathematics of Betrayal
Governments promise safety.
In return, you give up a chunk of your income â month after month, year after year â into a âretirement systemâ that guarantees⌠well, nothing.
You’re told it’s for your future.
But the math was broken from the beginning. Most of these systems were designed in a time when:
- People died younger
- Fewer lived past retirement
- Far more were paying in than cashing out
That demographic equation has flipped.
Now? Fewer pay in. Everyone lives longer. Benefits keep expanding. And governments are printing the difference.
In real terms, your contributions aren’t being saved or invested.
They’re being used to pay current recipients.
Youâre not funding your future.
You’re funding someone else’s present.
đŞ The Return: Lower Than Inflation
Letâs talk ROI.
If you calculate the lifetime contributions of a median middle-class worker and compare it to the average monthly pension received…
The internal rate of return often hovers below inflation.
In real terms:
You lose purchasing power over time.
You’d be better off putting that money under your mattress â or better yet, in Bitcoin or global index funds.
This isnât just inefficient.
Itâs systematic theft disguised as civic duty.
đŚ Who Benefits?
You might assume that the poor benefit most. But even they are trapped in a cycle of dependency â getting just enough to survive, but never enough to escape.
The true winners?
Bureaucrats. Politicians. And the ultra-wealthy.
Bureaucrats create administrative overhead that consumes vast portions of every contribution.
Politicians use the system as a vote-buying scheme.
And the wealthy? They opt out entirely.
They donât rely on state pensions. They have trusts, offshore vehicles, crypto holdings, dividend portfolios, and private insurance.
They pay the minimum â or nothing at all â and receive the same benefits capped at laughably low levels they never needed.
The middle class, meanwhile, carries the burden.
They earn too much to benefit fully.
But not enough to escape the net.
They fund the system that quietly fails them â trapped in a lie of future safety.
đ The Illusion of Freedom
Hereâs the kicker: youâre told this is for your own good.
You donât get to say no.
You donât get to opt out.
You donât get to choose an alternative fund or a personal strategy.
If a private institution operated like this, it would be called fraud.
But when the state does it, it’s called âsolidarity.â
đĄ Exit Strategy
This isnât just a financial argument. Itâs a philosophical one.
Freedom means choosing your future.
And forced contributions into insolvent schemes are the antithesis of sovereignty.
You donât owe the system anything.
The system owes you a refund â and an apology.
So what can you do?
Start by building parallel wealth structures:
- Invest in assets outside the fiat system
- Learn to self-custody and self-insure
- Reduce dependence on entitlements
- Build mobility â legal, financial, psychological
And most importantly:
Treat government promises like marketing slogans â not financial plans.
đ§ Final Thought
The welfare state was a dream.
But dreams turn into traps when theyâre funded by force and managed by liars.
If you want freedom, youâll need to build your own safety net.
Because the one the state offers?
Itâs got holes big enough to fall through â and itâs not even yours.