Is this what we work up into and past our 60's for? 40%? Why isn't 100% available if me and my employer(s) are contributing to this, who gets the other 60%?

Have you ever wondered about this?
Did you even know this?
Are you still telling your children they "need to be an employee on a job instead of the Boss of the Company?

Change Your Mind! Its 2018... Not 1918.