When I retired 20 years ago, I ran the numbers:
Over my working years, I contributed around $1 million to Social Security.
What I got back (net present value)? Roughly $200,000.

The rest… basically an extra tax.

Today, the system is under even more pressure — with only 3 workers supporting each retiree, it’s expected to run dry in the coming years.

So the real question becomes:
How do we help our children and grandchildren retire comfortably — with or without Social Security?

👉 One solution: a family trust.
By contributing just $1,000 per child, that amount could grow to $2 million in 30 years using the Stars model. Even in weaker markets, projections still reach $400,000+.

Want certainty? Start with $5,000 per child.

It’s simple enough to manage on your own or with a financial advisor trained in the Stars strategy.

Let’s stop relying on broken systems and start building generational wealth.