Let’s say you didn’t know you were going to be well off. You paid into SS like everyone else. Later in life you find yourself worth a few millions for whatever reason, maybe a lifetime of good jobs work and wise investing. You don’t get any money back? Unfortunately a lot of people will call a few million after a lifetime of work and investing “rich.”

Now if you’re worth many tens or hundreds of millions or more, or you were born into wealth, maybe getting SS shouldn’t really be on the table.