Gate News 消息，康奈尔大学高年级学生、比特币倡导者Ella Hough推出一款交互式计算器，模拟将MicroStrategy (MSTR) 的STRC优先股替代社保的退休储蓄方案。模型假设一位年收入10万美元的22岁年轻人，将其6.2%的员工工资税投入STRC，该优先股当前年化股息为11.5%，并在纳斯达克交易，价格接近面值100美元。
若将股息每月再投资，且收益率线性递减至退休年龄的6%，计算器预测到67岁时，投资组合总价值可达约269万美元，相当于每月可获得13,405美元的股息收入。相比之下，平均社保月度福利仅为2,074美元，并且2034年信托基金可能耗尽，仅能支付81%的预定福利。
分析指出，该模型虽具吸引力，但存在多重风险。STRC股息非保证支付，Strategy董事会可随时调整；优先股也未直接由公司比特币储备抵押。此外，45年的通胀可能侵蚀收益，重新分配FICA工资税需立法支持。部分批评者认为，直接投资比特币或MSTR普通股可能获得更高回报。
Ella Hough表示，该工具更多是思考实验，旨在提供一个以数据为导向的框架，让Z世代理解退休规划与代际差异。随着年轻员工普遍预期联邦退休福利可能减少甚至消失，STRC模型凸显了替代投资方案的潜力，同时也反映了社会保障体系与私人投资之间的紧张关系。
该计算器引发市场和学术关注，为Z世代探索退休储蓄的新方式提供参考，也推动人们重新评估传统工资税与投资组合配置的可行性。
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