

Another thing to consider is that 45 years of inflation and probable economic issues will likely lower that return, possibly lower than today’s purchasing value.
Plus people need the money in the first place, meaning those who need the money the most have the least. So either way it’s a bad deal for funding retirement beyond some extra spending money for people who had money to begin with.
It actually has been recommended to take twice a year with a spring booster for seniors and people at risk.
My family has been doing that every year but I think it’s difficult to even get most people to take the fall vaccine. They were worried about vaccine fatigue with even just the one amongst the general public, so they commented at the time not to put emphasis on the need for spring boosters. Most people haven’t had a covid booster in years.
The summer surge is also because of people being inside with AC especially in hotter states like California.
We have never been sick even once since before covid so the vaccines work.
https://time.com/7098842/cdc-two-covid-19-shots-seniors-immunocompromised/