You've got to be joking, right? Social Security is not Fixable as it is, because the Government is managing it? They've mismanaged it from its inception. Did you know that Social Security was supposed to be a temporary program when it was enacted?

It would be far wiser today to stop social security for everyone under the age of 35. You would do far better if you took what you paid into social security each year and placed it in bonds, ira, mutual funds and the like, then you ever would waiting on the government to do it for you. Somewhere along the line, we all got this idea that the government was much better at managing our own lives than we are.

Look at it this way. Say you have to put as much as you put into social security each month into an IRA. Now let's say that you have a pension available from your work as well. Now at my age(37 next month), I would be able to take about 1700.000 per month from my IRA. Add to that another say, 1,500.00 dollars per month from my pension. Without Social security, I would be making about 3200 dollars per month. Now I ask you, do you think the government can do better than that? Millions of people on Social security right now would tend to confirm that they can't.

I'm saying right now, the Government should divorce itself from Social Security entirely. They pass a law that you must in some way provide for your own retirement, and they give people graduated lump sum payments as a buyout to their social security--provided they put that money into an ira or other retirement account and leave it there. The law would mandate that you pay into that IRA whatever percentage you would normally have to pay social security. Believe me--you would end up in a far better financial situation then relying on social security. Then the goverment would have only to take care of the people who are on it now and eligible for it after the cutoff date and they can let go of that trillion dollar albatross around our necks called Social security.