Also, with the outlook for social security, it could very much be a case of 'a bird in the hand'. With pyramid schemes, it's the ones who exit early who benefit, the ones who exit late left holding empty bags.
Only those who are intelligent can get out of here and profit. If they do not profit, they do not lose. Not everyone can get out of here,,, those who make a lot of sacrifices get out. To get out late means to put your money at risk and to be in a position to lose.