> I expect Social Security to collapse before I get my money out of it…
Collapse, maybe not. But change, yes. The trust fund will be exhausted in about 6 years and there won't be enough money to pay the current recipients.
> So my only other option is to pour money into a 401(k) which goes into speculative AI stocks against my will
Your 401K doesn't offer midcap or small cap index funds? That would avoid the high cap AI stocks. For that purpose the Vanguard Extended Market Index Fund is probably the best option out there, VEXAX for the mutual fund and VXF for the ETF.
