&gt;in 30 years when I retire, there will be nothing in the communal pot.<p>I assume you mean Social Security. Over the last 30 years upper-to-high incomes have skyrocketed while the legal SSA-taxable income cap remains at $118,500.[1]<p>Reports of Social Security&#x27;s imminent death are greatly exaggerated, and more often than not a part of a classic Neoliberal (1940s+ Neoliberalism, not the Clintonian&#x2F;New Democrat brand) &quot;starve-the-beast&quot; plan to convince young people that the program is unsustainable and should be gutted so people can save a measly few percentage points of take-home income. It is a generations-long propaganda tactic that makes sense if you don&#x27;t think too hard but the simple fact is that raising the cap modestly will keep Social Security solvent for a very long time.<p>[1] <a href="https:&#x2F;&#x2F;www.ssa.gov&#x2F;planners&#x2F;maxtax.html" rel="nofollow">https:&#x2F;&#x2F;www.ssa.gov&#x2F;planners&#x2F;maxtax.html</a>