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An idea whose time has come: the necessity and desirability of Social Security reform.(Cover Essay)(Cover Story)
PEOPLE think that Social Security reform is an incredibly complicated and difficult subject. But it's not, really. The program's benefits are rising faster than its revenues, which means we're going to have a lot of trouble paying for those benefits. The program also offers young people a lousy deal. The solution is, first, to keep future benefits from growing so fast. But acknowledging that benefits have to shrink doesn't make the program a better deal for young workers. So, second, something should be done that lets them build up retirement savings to make up for it. Which means their taxes should be cut a bit, too, on the condition that they invest the money they get ...
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