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I'd rather take what the gov takes out for SS and invest it in my 401k.

That is a wishful thinking  option that I didn't have so I saved the maximum that I could each week from my salary and invested it in a 401K   while my employer matched that amount.  I run my entire ranch on the Annual Distribution from that 401K with money to spare....  The social security money that I have received for the last 40 years and invested has grown over 400% and I still haven't touched one cent of it... So I certainly don't need any financial advice from anyone but myself..