I see where you’re coming from, but also keep in mind that social security benefits have an annual contribution cap ($176k), so anyone that’s hit that cap 35 times in their lifetime is going to have the same exact payout, and those accounts are getting somewhere around 4.5k-5.5k/month depending on the age they file, and if you’re a millionaire, you definitely have at least 2 mill sitting in an account that gives at least 2% interest annually, which is going to be a higher payout than their SS