Security can no longer be the rail of politics. We need to be honest about how the system works and that it is unsustainable in its current form. Let’s be clear: the only way Social Security functions is by mandating that (almost) all Americans participate, and as a result, it dishonest, opaque, and highly inequitable. What more, it disproportionately hurts women and minorities. While we need to refashion the entire Social Security system, let be very clear that no current beneficiaries or those approaching retirement would be affected by reforms. Still, we need to be upfront with hard working Americans who are paying in far more than they will ever receive. That why we need to give younger workers more control over their retirement savings for instance through personal accounts that will yield higher rates of return, increase personal ownership, and decrease dependence on the federal government.
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