I've kept much of my savings in cash for safety, but I'm unsure if it's right for retirement. Contemplating investing $400K in stocks, as I've heard investors can profit in tough times. Unsure about my next move.
It's impressive how much you saved during your working years, a feat not many achieve in a lifetime. Now that you're retired and rely on your investments, it's wise to redistribute your capital to mitigate risks during market fluctuations. Consulting a financial advisor can help simplify this process.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
Finding financial advisors like Sophia Maurine Lanting who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
Privatizing Social Security could actually be a good thing. Here’s why- as it currently stands, if you contribute for 40 years and then die before reaching retirement, your family/heirs receive nothing. With privatization, beneficiaries could be designated and your account passed to your heirs.
also, people might not take SS at age 62 and take it at 67 or 70 because they don't want to die at age 62 and get 0 bucks. People like me don't have to worry about dying early and spending my 401k down and only getting like 2 years of SS money, if I delay to age 70 and die at age 72, if invested like HSA account, that SS money invested would go to the heirs
They’re already addressing the problem. Taxable SS income went up by 4.4% to 176,100.00 in 2025. Up from 168,600 in 2024. While COLA’s went up just 2.5% for 2025. Look for this trend to continue.
I’m 79 and drive for a living. If I had to depend upon Social Security the only way I could actually retire would be to set up a tent in a homeless camp.
@@Person-mh6xq fear monger. but thats ur opinion. thank God Trump won and will protect ur and my right of free speach unlike the dems who want to censor it,😁
An easy fix for social security: Currently Social Security tax is calculated as a percentage of gross earnings, up to a certain limit. Every year, the government sets a limit on the amount of your earnings that can be taxed for Social Security. That limit in 2024 is $168,600, increasing to $176,100 in 2025. Instead of raising the gross earning limit, just remove it. It doesn't seem fair that someone make a huge salary only pays the social security tax on the first $168,600. If they make a $1,000,000 - then tax them based on their entire gross income. Eliminating the taxable maximum so all earnings are taxed.
Since a large portion of people do NOT work till Full retirement age because companies lay them off. Anyone over 50 has a very tough time getting a job that will pay anything like a living wage because companies do not want to hire them, ageism is a thing, the law and politicians are fooling themselves or outright lying saying it doesn't. So raise the retirement age will not affect when people can no longer work, it just puts people into poverty earlier. Waiting has never been the employees choice. So get let go from your better paying job at 62 because of cost savings. Then get a job at Walmart at minimum wage which is below poverty level.
@@CreativeCatoons Employers will always find a way to replace higher cost (older) workers with lower cost (younger) workers. Their pals in government will always help them along.
Age discrimination is illegal but very difficult to prove. If the government wants people to be able to work longer and thus delay the start of SS, seems like they could somehow incentivize employers to hire older workers. Companies are certainly incentivized to get rid of them. Maybe a tax break; I think they do this for veterans.
Simple fix eliminate the point at which you stop paying let Elon pay 6.25 on his whole income. I'm so tired of struggling billionaires and down and out millionaires complaining about how tough they have it so everyone should get less so they can have more.
This is nuts. All they need to do is lower the social security tax and apply it across all incomes. Why should ppl work until 69 ffs? I’m already retired, but this isn’t looking good for our country. The rich need to pitch in and pay their fair share.
Lowering the SS tax is just going to accelerate SS problems, not help it! What needs to be done is to increase the cutoff. If you make more than $200k, you no longer contribute to the SS fund. Trump's plan is going to make SS worse.
Generation X has already been hosed with the creeping retirement age. We will pay the longest into the system and get the least out. We also got hit with various Baby Boom caused economic crises plus low interest rates on our savings, and then the compression of high inflation. I would rather see a slight increase in percentage versus increasing retirement age - we don't have enough time to make up the difference and jobs once lost in your older years are hard to replace.
All true, and don't forget that Gen X is the generation that was transitioned off the pension system and it wasn't commonly available. Now, we're reaching into the pockets of people who aren't even born yet.
Eliminate the wage cap on the SS tax and you’d have it covered. Too many high income earners resist it with their political contributions. Making everyone pay in no matter their income is a true “fair share.”
@jerrymcgeorge4117 Benefits are based on 6.2% of participating earnings. If you don't pay in, you don't get the benefits How else is it calculated? There is also a cap on whatever benefits can be received. I would bet that it is closely correlated to the cap on taxes.
No, remember your benefits are based on what you pay in. Wealthy people don't need expensive safety nets. SS is not a general tax pool where benefits are then determined by an individual's need.
First fix: Social Security is OASDI on your paycheck. aka "Old-Age, Survivors, and Disability Insurance" key word INSURANCE it is NOT a entitlement. Remove the payroll cap and put a ceiling of who can collect. The whole BS age shift is detrimental to the poor.
It figures, I turn 67 in 2036. SS is supposedly going broke in 2034. They need to stop raising the age, we are already waiting longer than most developed countries.
The top 1% net worth in 2022 was $30 trillion. Now two years later the top 1% net worth is $47 trillion. The top 1% gained $17 trillion in two years. And these people are telling us there are cuts coming on social security because there is no money. You want to make America great again. Then I say tax those top one percent 94% like in 1950s. And make sure to tax networth- no loop holes. Problem solved!
If they want to raise the retirement age for younger people so they have time to adjust and plan, that is one thing. However, they can't change it for people over 60 that have already made their plans. That would be a travesty.
I'm within a few years of retirement so I feel the insecurity of the SS system. My problem with raising the age, it kicks the can down the road and burdens future generations. Depending on the adjusted retirement age, many people in the future may never collect a nickel due to life expectancy in the US. Our parents took from their children, so we should take from ours? I also suspect that the amount of money we'll be taking from our kids every paycheck will also increase. There's no good solution that will be painless and fair to all, but the system is not sustainable. I just find that older folks seem willing to save themselves at the cost of future generations.
@@randyprice5392 We paid in for our whole lives. They just can't change the rules for someone that is already almost 62. However they change it for the future, people need plenty of time to prepare.
@@Winterfell1066 I get it. I've paid into for 43 years already. I'm in no way suggesting that people who are about to retire not collect. I'm suggesting there will need to be cut cutoff at some age, and the next generation should have their whole working lives to save for their own retirement. I don't care where the money comes from, cut the military budget for all I care. We played by the rules, so I expect the US government to live up to their end.
People are living longer than they did when SSA started. It makes sense to raise the age to reflect higher life expectancy. But agree with your point that the younger generations can prepare; those in their 50’s that are approaching retirement shouldn’t be required to wait longer.
@ some people are living longer. Not everyone ages the same, some people wear out early due to the type of work they do, but another big point is a lot of people don’t retire by choice.
In 2020, the maximum taxable income for SS was 147,000. That number goes up every year. In 2025 the maximum taxable income for SS goes to 176,100. The projected SS trust fund short fall for 2035 has gone down from 25% to around 18% by these annual increases for higher earners. This problem is being addressed as we speak and without any age related changes. The easiest way to fix SS is to increase the SS tax rate from 6.25% to 6.50%. Such an increase hasn’t occurred since 1991. That fixes the problem without raising age requirements.
Let's hope not. If it does move to 69, hopefully, they bring it in gradually starting with people that are no older than 40 now. Easiest fix is to raise the cap on taxable earnings to $400k/yr. Just about everyone agrees to this.
@@elibennett6168 it’s part of the social contract. Why should someone earning $40k pay 7.5% and a millionaire only pays 0.001%? And if you’re not ultra rich, you’re a moron for sticking up for the ppl that intend to screw you over
You guys can drop this whole raising the social security age nonsense. The president-elect made it quite clear that he won't be supporting this. Time to move along.
@@MikeS-7 I did find one quote where he said that. I also saw a quote from him saying the FRA should be raised to 70. As I said in my video though, I don't think Republicans are in any hurry to do anything with Social security.
Who do you think pays corporate tax? I can't even guess where corporations get their money? Or maybe I can guess,they get it from the consumer? Raise corporate taxes and prices will follow
Some other thoughts - Drop the fica tax cap cutoff like Medicare employment tax - besides shifting fra also shift earliest age up too so if fra was 69 earliest benefit age shifts up too to 64 and max slides out to 72.. - use %age of exported fossil fuels pkowed vack to ss fund Lije AK yses oil and gas to avoid stars taxes etc - keep raising fra to point where lije someone born in 1990 fea is 80 and early apply age is 74 max 83 That aligns it more like the mortality data/ ages when it was create in the 30s -
Quit changing the rules.....some of us didn't work behind a desk for 40 years. 😮. We have no problems funding wars, education, roads, etc. Why is ss always the program that is doomed?
I know that several years ago Congress voted themselves out of Social Security and into their own retirement benefit. You think they will be raising the age of their retirement program to 69?
No, a number of years ago, all federal employees were put into SS in addition to their pension. Their pension system is doing well because they are forced to contribute sufficient funds to make it solvent. That doesn't work too well with voters. The federal pension is slowly being downgraded.
here is how you answer young people saving. if SS goes under we will have a recession taking 60 million people out of the spending force. What you saved early on without going through a recession with it will mean hundreds of thousands by the time you retire.
Delaying SS FRA to 69 if born after 75', sounds good. They should also have the earliest taking of SS go up 2 years to 64 for those born after 75'. Anyone born in the 60's should stay as is.
Altering SS is an effort in political suicide for anyone suggesting such a change. SS can be fixed by doing certain things and if anyone suggests cutting or raising the age, their career in politics will be short lived!
America voted for this, Republicans have never liked SS if you have ever voted for a Republican you are part of the problem and better not complain.I am 1 month from my full SS date and will retire in 3 months. I have been that person who paid the max tax for the last 10 - 15 years always just under or slightly over so I have paid the same as my 3 siblings that probably finished paying their SS tax in March or April every year. I have been frugal and saved 1.25 million so I will be ok for the most part. I plan to leave the US and live in a lower cost country free of MAGA stupidity.
@@sburger1685 That’s because the past administrations have actively tried to keep it. I just hope that this administration doesn’t try to get rid of it like Project 2025 outlined.
@@graciethecat2181 sounds like the current administration has been working on destroying it by proxy. Billions to a senseless war in Ukraine. Millions of illegals on the dole. Wasteful money spending
I've kept much of my savings in cash for safety, but I'm unsure if it's right for retirement. Contemplating investing $400K in stocks, as I've heard investors can profit in tough times. Unsure about my next move.
It's impressive how much you saved during your working years, a feat not many achieve in a lifetime. Now that you're retired and rely on your investments, it's wise to redistribute your capital to mitigate risks during market fluctuations. Consulting a financial advisor can help simplify this process.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
Do you mind sharing info on the advisor who assisted you?
Finding financial advisors like Sophia Maurine Lanting who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
I don't anticipate SS being cut. I think something will be figured out. I just hope it isn't turning it over to Wall St.
I'm 100 percent in US Stocks and will be rewarded handsomely, if SS is investing in the stock market like HSA accounts
Privatizing Social Security could actually be a good thing. Here’s why- as it currently stands, if you contribute for 40 years and then die before reaching retirement, your family/heirs receive nothing. With privatization, beneficiaries could be designated and your account passed to your heirs.
also, people might not take SS at age 62 and take it at 67 or 70 because they don't want to die at age 62 and get 0 bucks. People like me don't have to worry about dying early and spending my 401k down and only getting like 2 years of SS money, if I delay to age 70 and die at age 72, if invested like HSA account, that SS money invested would go to the heirs
my dad paid into SS for 35 years, retired at 55 and died before ever collecting a dime.
They’re already addressing the problem. Taxable SS income went up by 4.4% to 176,100.00 in 2025. Up from 168,600 in 2024. While COLA’s went up just 2.5% for 2025. Look for this trend to continue.
At 65, It's hard to drive at dark. I could not imagine driving at 70 just to go to work.
Then I hope you didn't vote for tRump.
I’m 79 and drive for a living. If I had to depend upon Social Security the only way I could actually retire would be to set up a tent in a homeless camp.
@Person-mh6xq I don't vote for criminals
@@Person-mh6xq fear monger. but thats ur opinion. thank God Trump won and will protect ur and my right of free speach unlike the dems who want to censor it,😁
@@peardisplay Republicans have never supported Social Security. It's nothing to do with specific politicians.
An easy fix for social security:
Currently Social Security tax is calculated as a percentage of gross earnings, up to a certain limit. Every year, the government sets a limit on the amount of your earnings that can be taxed for Social Security. That limit in 2024 is $168,600, increasing to $176,100 in 2025. Instead of raising the gross earning limit, just remove it. It doesn't seem fair that someone make a huge salary only pays the social security tax on the first $168,600. If they make a $1,000,000 - then tax them based on their entire gross income. Eliminating the taxable maximum so all earnings are taxed.
I presume you don't want those increased contributions to be used as benefits for them, based on the money they earned.
It doesnt seem fair that the top bend point of ss is only paid out at 15%.
As someone whose income is over this cap I agree this needs to be removed. Should solve most of the deficit
at least you dont pretend to know anything.....lol.not sure if thats better or not......
Since a large portion of people do NOT work till Full retirement age because companies lay them off. Anyone over 50 has a very tough time getting a job that will pay anything like a living wage because companies do not want to hire them, ageism is a thing, the law and politicians are fooling themselves or outright lying saying it doesn't. So raise the retirement age will not affect when people can no longer work, it just puts people into poverty earlier. Waiting has never been the employees choice. So get let go from your better paying job at 62 because of cost savings. Then get a job at Walmart at minimum wage which is below poverty level.
Absolutely. Well said
Government needs to mandate no age discrimination if they want to further increase retirement benefit age.
@@CreativeCatoons Employers will always find a way to replace higher cost (older) workers with lower cost (younger) workers. Their pals in government will always help them along.
Age discrimination is illegal but very difficult to prove. If the government wants people to be able to work longer and thus delay the start of SS, seems like they could somehow incentivize employers to hire older workers. Companies are certainly incentivized to get rid of them. Maybe a tax break; I think they do this for veterans.
Simple fix eliminate the point at which you stop paying let Elon pay 6.25 on his whole income. I'm so tired of struggling billionaires and down and out millionaires complaining about how tough they have it so everyone should get less so they can have more.
That doesn’t work - the uber wealthy aren’t paying into SSA as they aren’t wage earners. It’s only us hapless W2 workers paying into this system.
This is nuts. All they need to do is lower the social security tax and apply it across all incomes. Why should ppl work until 69 ffs? I’m already retired, but this isn’t looking good for our country. The rich need to pitch in and pay their fair share.
Lowering the SS tax is just going to accelerate SS problems, not help it! What needs to be done is to increase the cutoff. If you make more than $200k, you no longer contribute to the SS fund. Trump's plan is going to make SS worse.
Exactly, you Must thanks those who voted for the MAGA Cult MASTER. We All screwed!
Generation X has already been hosed with the creeping retirement age. We will pay the longest into the system and get the least out. We also got hit with various Baby Boom caused economic crises plus low interest rates on our savings, and then the compression of high inflation. I would rather see a slight increase in percentage versus increasing retirement age - we don't have enough time to make up the difference and jobs once lost in your older years are hard to replace.
All true, and don't forget that Gen X is the generation that was transitioned off the pension system and it wasn't commonly available. Now, we're reaching into the pockets of people who aren't even born yet.
I don't know how some people live on Social Security some people are complaining they only get $975 a month.
Eliminate the wage cap on the SS tax and you’d have it covered. Too many high income earners resist it with their political contributions. Making everyone pay in no matter their income is a true “fair share.”
Your idea of "fair share" is for the wealthy to pay for your retirement?
Benefits are supposed to be based on what a person paid in.
@ Yes, and those earning above the cap at retirement age are paid benefits beyond what they paid in. The cap needs to go.
@jerrymcgeorge4117 Benefits are based on 6.2% of participating earnings. If you don't pay in, you don't get the benefits
How else is it calculated?
There is also a cap on whatever benefits can be received. I would bet that it is closely correlated to the cap on taxes.
They're looking at screwing Gen X.
We were screwed from the moment dad came!
No cap. It's absurd that someone making $100,000,000 / year pays in as much as someone making less than $175,000 / year.
No, remember your benefits are based on what you pay in. Wealthy people don't need expensive safety nets.
SS is not a general tax pool where benefits are then determined by an individual's need.
First fix: Social Security is OASDI on your paycheck. aka "Old-Age, Survivors, and Disability Insurance" key word INSURANCE it is NOT a entitlement. Remove the payroll cap and put a ceiling of who can collect. The whole BS age shift is detrimental to the poor.
It figures, I turn 67 in 2036. SS is supposedly going broke in 2034. They need to stop raising the age, we are already waiting longer than most developed countries.
So you will march on Washington with me
The top 1% net worth in 2022 was $30 trillion. Now two years later the top 1% net worth is $47 trillion. The top 1% gained $17 trillion in two years. And these people are telling us there are cuts coming on social security because there is no money. You want to make America great again. Then I say tax those top one percent 94% like in 1950s. And make sure to tax networth- no loop holes. Problem solved!
If they want to raise the retirement age for younger people so they have time to adjust and plan, that is one thing. However, they can't change it for people over 60 that have already made their plans. That would be a travesty.
I'm within a few years of retirement so I feel the insecurity of the SS system. My problem with raising the age, it kicks the can down the road and burdens future generations. Depending on the adjusted retirement age, many people in the future may never collect a nickel due to life expectancy in the US. Our parents took from their children, so we should take from ours? I also suspect that the amount of money we'll be taking from our kids every paycheck will also increase. There's no good solution that will be painless and fair to all, but the system is not sustainable. I just find that older folks seem willing to save themselves at the cost of future generations.
@@randyprice5392 We paid in for our whole lives. They just can't change the rules for someone that is already almost 62. However they change it for the future, people need plenty of time to prepare.
@@Winterfell1066 I get it. I've paid into for 43 years already. I'm in no way suggesting that people who are about to retire not collect. I'm suggesting there will need to be cut cutoff at some age, and the next generation should have their whole working lives to save for their own retirement. I don't care where the money comes from, cut the military budget for all I care. We played by the rules, so I expect the US government to live up to their end.
People are living longer than they did when SSA started. It makes sense to raise the age to reflect higher life expectancy. But agree with your point that the younger generations can prepare; those in their 50’s that are approaching retirement shouldn’t be required to wait longer.
@ some people are living longer. Not everyone ages the same, some people wear out early due to the type of work they do, but another big point is a lot of people don’t retire by choice.
What if they run it like a pension, adjust the contributions to the plan to meet the benefit obligations?
The wretched dogs won’t catch me in their “raise the retirement age” move. My FRA is 4 months away.
In 2020, the maximum taxable income for SS was 147,000. That number goes up every year. In 2025 the maximum taxable income for SS goes to 176,100. The projected SS trust fund short fall for 2035 has gone down from 25% to around 18% by these annual increases for higher earners. This problem is being addressed as we speak and without any age related changes. The easiest way to fix SS is to increase the SS tax rate from 6.25% to 6.50%. Such an increase hasn’t occurred since 1991. That fixes the problem without raising age requirements.
Let's hope not. If it does move to 69, hopefully, they bring it in gradually starting with people that are no older than 40 now. Easiest fix is to raise the cap on taxable earnings to $400k/yr. Just about everyone agrees to this.
That really seems like robbery if the plan is to take from those who will not get it back in retirement.
@@elibennett6168 it’s part of the social contract. Why should someone earning $40k pay 7.5% and a millionaire only pays 0.001%? And if you’re not ultra rich, you’re a moron for sticking up for the ppl that intend to screw you over
You guys can drop this whole raising the social security age nonsense. The president-elect made it quite clear that he won't be supporting this. Time to move along.
Trump never said that.
@@RetirementTalk43 He most certainly did. Not one day!
@@MikeS-7 I did find one quote where he said that. I also saw a quote from him saying the FRA should be raised to 70. As I said in my video though, I don't think Republicans are in any hurry to do anything with Social security.
Let all corporations pay their fair shares of tax !!
A little over 4 years left to wait before anything will be done to that end.
Who do you think pays corporate tax? I can't even guess where corporations get their money? Or maybe I can guess,they get it from the consumer? Raise corporate taxes and prices will follow
What does Congress get as a retirement benefit?
Mostly SS and a Thrift Savings Plan. The federal pension is being reduced. Same as all federal employees.
All persons in the best shape for social security receipt are the persons who do not need it.
Some other thoughts
- Drop the fica tax cap cutoff like Medicare employment tax
- besides shifting fra also shift earliest age up too so if fra was 69 earliest benefit age shifts up too to 64 and max slides out to 72..
- use %age of exported fossil fuels pkowed vack to ss fund
Lije AK yses oil and gas to avoid stars taxes etc
- keep raising fra to point where lije someone born in 1990 fea is 80 and early apply age is 74 max 83
That aligns it more like the mortality data/ ages when it was create in the 30s
-
Quit changing the rules.....some of us didn't work behind a desk for 40 years. 😮. We have no problems funding wars, education, roads, etc. Why is ss always the program that is doomed?
Elon musk is the new Government Efficiency guy- I’m sure he will be addressing this day #1
Elon doesn't want any old guys. He is firing folks who are past 55.
I know that several years ago Congress voted themselves out of Social Security and into their own retirement benefit. You think they will be raising the age of their retirement program to 69?
No, a number of years ago, all federal employees were put into SS in addition to their pension.
Their pension system is doing well because they are forced to contribute sufficient funds to make it solvent. That doesn't work too well with voters.
The federal pension is slowly being downgraded.
Welcome to the new USA
Fuck Republicans
It already 70 gen x for full
Just take the money and run put it in a Vanguard 500
here is how you answer young people saving. if SS goes under we will have a recession taking 60 million people out of the spending force. What you saved early on without going through a recession with it will mean hundreds of thousands by the time you retire.
Life expectancy is 73-76 for male !
Do that figures!
Life expectancy at birth for men is around 74. Once you reach 65, the life expectancy is 81.
SS uses general statistics based on 20 yr olds. We don't care about dead babies.
The older you are, the better the chances to live longer.
Hope these Trump voters realize why this is happening. They voted for it. 😂
This rubbish started under Obama and the current administration. Not under President Trump .
Trump will not let this happen!!!
SS is a forced investment program that government is allowed to manipulate. Why?
No it's insurance
@johngill2853 Forced "insurance!"
@@vallejoborncalihasbecomeal9022 agree but most people need to be forced or they'd be broke
@johngill2853 Spoken like a true socialist! How do you feel about forced vaccines?
Delaying SS FRA to 69 if born after 75', sounds good. They should also have the earliest taking of SS go up 2 years to 64 for those born after 75'. Anyone born in the 60's should stay as is.
@BSinNH Life's expendence for men in the US is 65 years
your joking...right? or maybe you just dont know.....either way.....we will wait and see....but thanks...
Altering SS is an effort in political suicide for anyone suggesting such a change. SS can be fixed by doing certain things and if anyone suggests cutting or raising the age, their career in politics will be short lived!
Bingo!
vall: Why didn't that happen to any politicians who increased the FRA and added income taxes to SS benefits, in 1983?
That’s click bait and BS
America voted for this, Republicans have never liked SS if you have ever voted for a Republican you are part of the problem and better not complain.I am 1 month from my full SS date and will retire in 3 months. I have been that person who paid the max tax for the last 10 - 15 years always just under or slightly over so I have paid the same as my 3 siblings that probably finished paying their SS tax in March or April every year. I have been frugal and saved 1.25 million so I will be ok for the most part. I plan to leave the US and live in a lower cost country free of MAGA stupidity.
How are the republicans responsible for the social security mess? If the government had never raided the fund, it would be solvent.
This program will be gone soon.
Yeah, they seem to ignore the new administration’s plans. Not sure why.
Old folks been saying this for years and have died and not even collected till later cause he didn’t need it. He’s gone - it’s still there!
@@sburger1685 That’s because the past administrations have actively tried to keep it. I just hope that this administration doesn’t try to get rid of it like Project 2025 outlined.
@@graciethecat2181 sounds like the current administration has been working on destroying it by proxy. Billions to a senseless war in Ukraine. Millions of illegals on the dole. Wasteful money spending