thank you for now. >> let's bring in jeremy siegel now, he is a finance professor at the university ofvania wharton school. with a lot of concerns about oil prices and how that factors into markets here what would you say to people who have these concerns? >> well, we all know we are less than 48 hours away from the fed decision, which i'm almost certain is going to be a rate hike, but i think it's going to be a rate hike that's going be going to be wrapped in a dovish christmas present that i think could encourage the market. everyone is worried with the nervousness in the high yield, oh, my goodness, the fed is bumping up, what's going to happen and i think once they turn around and see that the fed -- i'm not saying it's going to be one and done, people are talking that might be it, but i think it's going to be one and wait a long, long time to see what the impact is going to be on the economy and the market and i think the stocks could rally quite nicely off such a package. >> what about what's happening in credit markets, do you think they recover after we get over this move or do

and "wall street journal" op-ed today, jeremy siegel explains his sorry social security return. and how little return they provide in comparison with other investments. he gave an example. after the $329,640 he invested in social security throughout his career, he will only receive about $840,000 of inflation adjusted benefits over his lifetime. that's about one-third, he says, the $2.27 million he could have accumulated had that money been invested in a plain vanilla stock index fund. so what is the benefit of social security anymore? jarrod burnstein joins us now. michelle will join in this conversation as well. jarrod, i read the story. i know professor siegel. his numbers are pretty compelling. what's wrong with his numbers? >> well, i think his numbers are correct. i don't find them compelling at all. i think what professor siegel discovered is something that everybody knows which is that social security is a very progressive system. middle and lower income people take out more than they put in. higher income people like mr. siegel, they're net contributors. and that's the