>>I have not underpaid for anything.

OK, lets look at Medicare costs. Per-beneficiary Medicare costs have gone from $3K/yr in 1990 to an estimated $14K by 2015 excluding capital and some other costs. Assuming the same level of inflation and that you reach a reasonable age for a robust middle class woman, seems to me your predictable Medicare costs could easily exceed $500K. Allow another $200K for the costs of one person in the previous generation whose care your generation agreed to cover plus maybe a small contribution to other Medicare programs like physician training schemes.

Assuming you contributed 2.9% since you started work, which you didn't, that would require an income of $480,000 every year from the age of 16, or an inflation-adjusted 7-figure income this last decade when you deducted half the contribution from your income. Perhaps you were earning millions annually in which case "bravo" and I take it back, but what about all your colleagues? Seems to me a debt has been dumped on those who come after you, and now you lecture them about fiscal responsibility.

One reliable way to fund retirement healthcare is to run a surplus while you're young and fit and invest it in something that appreciates more than medical inflation, because otherwise 2.9% paid at age 16 barely covers the cost of a bubble gum 50 years later. Medicare could never do that because the electorate (you and yours) resisted paying more than its running costs, meaning that the unfunded predictable future hole grew and grew.

FWIW, if private health insurance surpluses from age 16 had been loaded into a proper health fund, your balance would be into the 7-figures and Medicare contributions, if any, could have gone 100% towards the previous generation because yours is more than covered.