Very true - my husband worked from the age of 14 up until his death at 64 - - never collected SS - - I started collecting at 62 which hurts your actual monthly income - - I paid taxes on the monthly income until it dawned on me - it states "voluntary' meaning you do not need to pay taxes on money you were already taxed - - it is one big circle - if you invest (buy an IRA each year) the IRS wants you to start pulling out of your investment to pay back the money from your IRA (if that makes sense) I say NO - I am not but fidelity keeps telling me I have to withdraw starting at the year you turn 73 - if you don't they tell you you have to withdraw that amount and that same amount again (that would be twice in one year, each year until your investment money is gone) there is no IRS - so where is that money going ? ? ?