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How good of an investment do you think your contributions to FICA (Social Security taxes) are? Consider that you currently pay 6.2% of your gross salary up to $106,800 and your employer pays the same amount. (You pay an additional 1.45% on all earnings for Medicare, again, matched by your employer.) Thus, if you make $40,000 a total of $4960 goes into the Social Security Trust Fund.

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