Subject: Re: What's worse than lottery tickets?
It is great to see you are happy with your decision.

As it turns out I made a different choice and I am very happy with my decision because my portfolio has gained more by starting early than it would have by waiting. So be content with your decision but don't presume to insist that your decision works for everyone. Your presumption that I can't do better than the inflation-adjusted 8% that the SSA offers is incorrect. Insisting that I'm wrong doesn't change the outcome.

Rgds,
HH/Sean