It's not only a ponzi scheme; it's a bidding war with an ever expanding "menu".

In 1945, The SSA had 42 workers who supported each individual retiree, while today only 3.3 workers support each retiree.

It's broke, in both senses of the word.

Let's face it no reform can cut deep enough to fix it.

At 52 I have made alternative plans. It would be foolhardy to believe it will exist when I'm eligible.