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AARP's Social Security Q&A Tool

Do my Social Security contributions go into a personal retirement account for me and earn interest?

En español | No. Social Security operates under a modified pay-as-you-go system, which means that today's workers' contributions generally pay the benefits of current retirees.

Contributions that are not needed to pay current beneficiaries remain in trust funds.  When today's workers retire, their benefits will be paid by the contributions of younger ones.

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