Beyond Social Security

(And Here’s a Better Option)

Let’s be real—Social Security was supposed to be the safety net. A promise made. You work hard, pay in, and when it’s time to slow down, the system takes care of you. That was the deal..

But now? I’ve got questions.

And if you’ve been paying into this system for decades like I have—you should too. Because what happens when the promise starts to crack? When the system feels more like a gamble than a guarantee?

Thankfully, I’ve found a better option. One I wish I knew about back in 1972. And today, I’m sharing it—because it’s time we take our future out of other people’s hands and put it where it belongs: in our own.

My Story: The Long Road from Trust to Truth

I’m a Baby Boomer. Born in the 1950s. And in 1972, I gave permission—without much thought—to let the government take a slice out of every paycheck I’ve earned ever since. The deal? That money would be there for me when I got older and needed it.

Back then, I trusted the system. I believed in the promise. And honestly, that was the agreement—we give, and one day, we receive.

Now here we are, over 50 years later. And I’m watching people who never paid into this system—people who don’t even live by the same rules—decide what happens with the money I sacrificed for.

Let’s be clear: if anyone had $1,000 to $2,000 pulled from their income every month, they’d feel some type of way too.

Today, with what I know, I would’ve made very different decisions. That’s why I’m on a mission to help others do better with what they’ve got now—so they’re not counting on a broken promise.

But first, let’s break it down...

🎉 What Is Social Security?

Think of it like a big ol’ piggy bank the U.S. created back in the day. The idea was simple: while you're working, they take a little bit of money from each paycheck and save it for you—so when you're older, retired, or disabled, you’ll have something to live on.

📜 A Quick History Lesson

Social Security was born in 1935, during the Great Depression. People were struggling, especially the elderly. So President Franklin D. Roosevelt stepped in and said, “Let’s create a safety net.” And that’s how Social Security became law.

It was supposed to be a support system. A promise.

💵 How It Works (In Theory)

You work. They take a chunk of your check. That money helps current retirees now, and when it’s your turn, future workers will cover you. It’s not your personal savings account—it’s more like a trust system. You trust they’ll be there when it’s your time.

😟 But Here’s the Catch

What happens when the system is mismanaged?
Or when people start talking about cutting it… moving it… replacing it?

What happens when you’ve played by the rules, but now the rules are being rewritten—by folks who didn’t even help build the system?

That’s where my frustration—and maybe yours—kicks in.

👀 What I Would’ve Done Differently

If I had known then what I know now, I would’ve created my own bank—a private, tax-free, wealth-building system using a tool called Infinite Banking.

It’s a whole life insurance policy built the right way, where you earn interest and dividends every single year. You can borrow from it, pay yourself back, and build wealth along the way. It grows while you live, and it’s protected. No market crashes. No political games.

You use it like a real bank, but this time, you’re the banker.

🙌 A Message to Young Folks (and Us Seasoned Souls)

If I were just turning 16 today? I’d be setting up that personal bank right now. I’d decide how much I could contribute every month or year, and I’d keep it moving.

That money could help pay for college, a car, a home—or just give me peace of mind.
And by the time I hit retirement? I wouldn’t be stressed about whether Social Security would still be around.

🔑 Bottom Line

This newsletter is two things:

• A wake-up call for my fellow Baby Boomers who were promised something and now have to fight for it.
  
  

• A solution for the next generation—so you’re not sitting here 50 years later wondering what happened to your money.
  
  

If you’re feeling this frustration too… you’re not alone.

And if you're ready to create your own safety net—one that no politician can touch—reach out. I'm not just talking about it. I'm doing it. And I can help you do it too.

Until next time,
—Karen
“Because I’ve learned the hard way… and I refuse to let others fall into the same trap.”