About social security, how old can you live to be considered economic?

8% of the individual contributions of urban workers are cost-effective, no matter how long they live, because after retirement and death, the part they pay in their personal accounts is to be returned to the survivors and can be inherited as an inheritance. If they pay individually, their personal accounts will be inherited as an inheritance after their death, but they paid 20% before their death and the inheritance is only 8%. Therefore, the individual pays only the part of the state subsidy after all the amounts paid by the individual are collected. It is obviously incorrect to calculate only by 139 months.