Sorry, TH.
You may wish that your money is in an insurance retirement fund called Social Security, but your money is long gone. Gone to pay others before you.
Like money in your bank account - it's not there either.
Some long haired gimp was crying about that on the news this AM, when he found out that his kid's money wasn't actually in the bank where they put it.
Nor is the gold that you buy shares of in gold funds. I'd venture to say that the gold has been "leveraged" (a polite term for a very polite business, doncha know) many many times and couldn't begin to be covered if everyone actually wanted their physical ounces out.
I hope the money's there for you; I really do, but to be there the economy and the government have to work so that there is a cash flow.
When the whole thing crashes and we're all killing each other in civil war, there ain't gonna be no Social Security checks.
The money ain't there unless it all works.