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[quote user="schlimm"] sam1:  I clearly said: "you [and others] don't really know anything about this very specialized topic " (RRB), nothing about whether or not you know anything about SS or government accounting.  This was based on your statement (perhaps you forgot?), "I don't know about Railroad Retirement." [/quote] I was commenting on the alternatives to RR Retirement, which was the main thrust of my post.  That is to say, in response to the main question, as well as several subsequent posts regarding alternatives, I laid out some alternatives.  Nothing more; nothing less. Discussing the features of Social Security, 401(k) and 401(m) plans, and personal savings is hardly political. It could be considered political if one is advocating for one or the other.  I have not done that.  I was simply pointing out that there are alternatives to RR Retirement, which again is implied by the topic heading. Most of the topics in these forums tend to range widely around the opening theme.  No problem.  Participants are free to say whatever they want as long as it is civil.  And they are free to read it if they believe it is relevant, or they are free to ignore it.
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