Part 1 of Essay
Social Security is not a problem right now; in fact, it runs a large surplus every year. However, Americans are living longer, and drawing more Social Security payments than they ever put in. Early in the next century, we will be paying out more than we take in, and Social Security will have to dip into its surplus, which ....

Part 2 of Essay
.... is still in the work force should be given the opportunity to do with their money as they see fit. If someone feels that they are unable to invest wisely in the stock market, there are other options available. For instance, and perhaps the simplest, is to invest the funds into a money-market account, which will on average receive 1-1 1/2% more interest than a traditional savings account. From the time the average American starts working - say 16 or 17 - till the time he retires, there will be a lot of money that ....