Go get your pocket calculator. In the meantime, kudos to The Epoch Times for allowing us to discuss the most important subject to about 75 percent of us (private-sector workers): our pensions, Social Security. The beginning Dow Jones average of equities on Jan. 1, 1975, was 632. Punch that into your calculator, divide by .092 (an 8 percent return), and hit equals 45 times for 45 years. The answer is 26,932. Forty-five years later, on Jan. 1, 2020, the Dow was 28,538. Had we and our employer been allowed to invest our 15.3 percent Social Security/Medicare tax, each year, in an equity fund and left it there, unattended, the amount we would now have is staggering. Even a low-income worker would have retired wealthy. Never mind that your employer pays half. It is a tax upon your income, not your employer’s income, and it is intended for your benefit. The …