S&P 500, vanguard VFIAX or VOO, historically makes 10% return annually since 1928. Put in different amounts in savings calculator say 100-300/mt to see what you could have in 30 yrs. Just think if you had your 7% of salary going into this rather than Social Insecurity.
I lost well over $1,000,000 to social security. How much will you lose?