<p class="MsoNormal" style="text-align: justify; margin: 0in 0.5in 0pt;"><span style="font-size: 10pt;"><span style="font-family: Times New Roman;">The government is not obligated to pay Social Security benefits and no one has the right to receive such benefits.<span style="mso-spacerun: yes;">&nbsp; </span>This paper presents the argument that opting for a personal account in conjunction with traditional Social Security is less risky than opting to have all of ones Social Security taxes go

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... traditional Social Security.<span style="mso-spacerun: yes;">&nbsp; </span>The overall downside risk of receiving lower than anticipated Social Security retirement income is reduced by diversifying to include personal accounts along with traditional Social Security.<span style="mso-spacerun: yes;">&nbsp; </span></span></span></p>