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From a friend in the financial world before he retired.

"Remember, not only did you contribute to Social Security but your employer did too. It totaled 15% of your income before taxes. If you averaged 30K over your working life, that’s close to $220,500. If you calculate the future value of $4,500 per year (yours & your employer’s contributions) at a simple 5%, you’d have $892,919.98. If you took out only 3% per year, you would receive $26,787.60 per year and it would last more than 30 years.
They call Social Security and Medicare "entitlements" even though most of us have been paying for them throughout our working lives..."

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