A decent investment is something that pays off at least a little as time goes on. A good investment is something that continues to grow, a horrible investment is something that literally loses all it's money/funding etc as it continues to grow. They could have slowed the bleeding/fixed things a little anytime since the baby boomers were born and it was literally impossible for the program to continue to be sustainable as is. But of course they didn't, and it has become the ****show it now is. Me paying the max in SS taxes each year($7,500 -14,000 a year when I am technically self employed or running my own biz 2011-2013 and 2016) is a HORRIBLE investment when I will literally see next to ZERO of that money ever again. How is that not a ****ty investment? If I took $7,500 a year and put it in even the most conservative guaranteed growing investments, I would have an additional 750k+ in 40 years, and that is worst case scenario!!!!! More than likely that number becomes 1 to 2 million depending on how its invested. Think I will or anyone in my generation will see that in SS? lol. not a chance!