@cicerone imposter,
Let: 3%USSB = 3% US Savings Bonds
Social Security Deduction Factor = 0.124
Average Annual Gross Income = $6,250.00
Average Annual Social Security Deduction for 44 years = $775.00
Average Annual Payment TO 3%USSB for 44 years = $775.00
Average Annual Payment FROM 3%USSB for 35 years = $3,211.79
(that is, 4.144249736 x $775.00 = $3,211.79)
Average Annual Payment FROM Social Security for 35 years = $2,451.00
DIFFERENCE = $760.79
Social Security Deduction Factor = 0.124
Average Annual Gross Income = $12,500.00
Average Annual Social Security Deduction for 44 years = $1,550.00
Average Annual Payment TO 3%USSB for 44 years = $1,550.00
Average Annual Payment FROM 3%USSB for 35 years = $6,423.59
(that is, 4.144249736 x $1,550.00 = $6,423.59)
Average Annual Payment FROM Social Security for 35 years = $4,902.00
DIFFERENCE = $1,521.59
Social Security Deduction Factor = 0.124
Average Annual Gross Income = $25,000.00
Average Annual Social Security Deduction for 44 years = $3,100.00
Average Annual Payment TO 3%USSB for 44 years = $3,100.00
Average Annual Payment FROM 3%USSB for 35 years = $12,847.17
(that is, 4.144249736 x $3,100.00 = $12,847.17 )
Average Annual Payment FROM Social Security for 35 years = $9,804.00
DIFFERENCE = $3,043.17
Social Security Deduction Factor = 0.124
Average Annual Gross Income = $50,000.00
Average Annual Social Security Deduction for 44 years = $6,200.00
Average Annual Payment TO 3%USSB for 44 years = $6,200.00
Average Annual Payment FROM 3%USSB for 35 years = $25,694.35
(that is, 4.144249736 x $6,200.00 = $25,694.35)
Average Annual Payment FROM Social Security for 35 years = $19,608.00
DIFFERENCE = $6,086.35