I agree with you, Jim. At least right up to the present. Social
Security worked great for a long time. But think it could be better
and could have been better.

Since Social Security is a pay as you go system, maybe the payroll
taxes should be just enough to pay the costs and not provide any extra
cash for Congress to spend.
The benefit would be more money available for Joe Sixpack to spend or
save as he/she feels like they want to do. Which would result in other
changes. Maybe Social Security could then be changed so that it paid
even less to those that earned more.
After all they would have had a chance to save more.


Dan