Post Classifieds

Turn Social Security into a personal investment fund YOU own

Posted: January 29, 2020

The AMERICAN INDEPENDENT WEALTH ACCOUNT (the AIWA) system. The AIWA system will unify with Social Security “retirement” to create, for all employed/self-employed/home managing Americans, personally owned mutual fund investment holdings. What were payroll taxes you would have been paying in the future to Uncle Sam will become investment dollars that are yours to build a retirement “nest egg.” Anytime, day or night, your smartphone will tell you what you’re worth.

Dear College-age Americans –

It will be 40+ years until you will be enjoying your retirement parties.  However, planning, saving and investing for your old-and-gray years should start NOW!

The AMERICAN INDEPENDENT WEALTH ACCOUNT (AIWA) system is designed to integrate and unify with the Social Security “retirement” (SSR) system established in 1935.  Once any American is employed, self-employed, or managing a home, the AIWA system will start building personal wealth for him/her in a national “mutual fund.”  How will this work?

As of late 2019, there are approximately 163 million employed/self-employed/home-managing Americans.  The AIWA system will create a gigantic pool of investment money. This money will mainly come from, what, since 1935, has been the Social Security “retirement” tax dollars taken from Americans salaries, wages and/or self-employment income.

This pool of investment money will be used to make a wide range of safe, secure investments across the U S and world economies.  As stated above, all 163 million working Americans will own shares of stock in this national mutual fund investment pool.

The term “entitlement” is often applied to SSR money paid to today’s retirees.  This is a totally incorrect term.  Two U S Supreme Court decisions, Helvering vs. Davis (1937) and Fleming vs. Nestor (1960) confirm that money withheld for SSR from paychecks is a TAX.  No one, whether young and paying in, or old and collecting, is entitled to a dime of the money.  (Credit to the CATO Institute for the Supreme Court references).

Young, working America, the AIWA system will change this totally.  Under the AIWA, the mutual fund shares that are purchased with what had previously been SSR taxes you paid Uncle Sam, will be your personal property.  And, more importantly, these mutual fund shares YOU own will be in addition to any other 401K, 403B, or any other type of employer-provided retirement plans you might enjoy over the next 40+ years, or investments you make on your own.

On your smartphone you will be able to look up a full record of all the money that has gone into your AIWA, and the market value of your stock portfolio, any day, any time.

There are more details about the operation and unification of the AIWA system with SSR on the website, the CST Site, in sections four and five of the CST Site.

((When you study the details, it will quickly become clear that to “save” the 1935 SSR for current retirees and future retirees (i.e., YOU), implementing the AIWA system now, 2020, is MANDATORY)).

In addition, there are two other proposals explained on the CST Site that will enhance the value of the AIWA when the three are implemented as a package.

When will the AIWA and its two companion proposals go into effect?  Frankly, young Americans, this is up to you.  Start contacting your friends, family, and, most important, your U.S. Senators and members of the House of Representatives.  Please direct your Senators and Congressmen/women to the CST Site,, sections four and five.  Remember, they want reelection more than life itself.  Your polite, numerous and frequent contacts will enhance their understanding of the AIWA system.

This press release is intended for all Americans, especially those 18 to 22 years old, AND their parents, aunts and uncles and more, many of whom are likely under age 50.  They will benefit substantially as well.

Educate yourselves and Congress.  Doing so will put the AIWA in place in short order. The AIWA will be immeasurably beneficial to your financial futures.  Research the CST Site (website).  Think about what you read.  Direct your friends to it.  Get their thoughts.  You’ll likely be quick to inform Congress.

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