Save social security and create business and jobs

I say let those who decide to opt out and that have been paying for more than 15 years have half of the money they invested and use that money to open there own business.The other half stays in the system for those who want to wait till they can reach retirement age,You must have a great business plan but this is not a loan its your money! I think most will be successful, and will not need to depend on social security in the future the few who are not successful will still have a small amount to fall back on, This could leave more money in the social system not all will want to opt out.