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Get your negative rate of return, you could do that. or if you wanted to place, you know, some portion of your payroll tax money into an ira pe of an account, you can do that. it would be a freedom of choice plan. i think you raise a very good point about whether americans have any confidence in the market after what happened in 2008. by the way, a lot of studies have shown that with the big crash that happened in 2008, if workers starting 25 years ago had the option of putting their money into the markets rather than into social security, even with the crash they would have done better than s...

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