"It should be clear to most that this so-called retirement system is doomed to failure. Of course, the insidious nature of the beast led us to believe it would be a great system to help the aged. It did do this for the first, second and even third generations of elderly people. However, like any Ponzi scheme, it eventually breaks down and the last people in will lose out. We were told that the money would go into a trust fund and be paid back to us out of the same. Well, to be Constitutional, the taxes had to be collected for the General fund as any other tax and Congress always appropriates from current revenue to pay current Social Security benefits. There never was any trust fund. The program is nothing more than a wealth transfer. Harry Browne's book titled Why Government doesn't Work lays out a solution to this debacle."