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<p>[QUOTE=&quot;coleguy, post: 1505907, member: 9167&quot;]It also means the government can raid private retirement funds to pay off SS deficits. I don&#039;t pay into SS, but rather a company retirement fund, the National Railroad Retirement, which is all privately funded by the workers with 0% contribution from the government. Yet, in the early 80&#039;s it was literally raided to pay SS benefits. I&#039;m having to pay that back even though I wasn&#039;t even in the work force at the time, while the government owes nothing. So, this can happen to any retirement plan, including 401K&#039;s and IRA&#039;s. It&#039;s best to diversify and take advantage of every plan you can and contribute as much as you can. I&#039;m maxed out every year on my 401K, as is my wife, and this year we were offered an IRA through work as well, which I take full advantage of. But, I don&#039;t see anything wrong with buying some metals as well, just to keep things interesting.</p><p>Guy[/QUOTE]</p><p><br /></p>

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