Well I will say of all the major issues, Social Security is the easiest to fix. They can do that by just increasing the amount people pay in, delaying the onset of benefits (which they already did for my age bracket), and increasing the cap on which people have to pay.
The big one is how they handle Medicare. They best hope technology gets in there and drives down costs.
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I'd just as soon they give me the money and let me invest it myself. I am sure I couldn't do any worse than they are. Delaying is fine, but like you said, people just aren't working. If you delay it they have to not work even longer before getting the benefits.