If I had a choice, I would have certainly taken a personal retirement account. There is such resistance against it, but it would be nice to see it happen.
Is there really, though?! It's an optional thing, and those who've been paying into the system all these years can just keep with Social Security as presently configgered. We've made this promise to our seniors and no one is proposing we abandon our obligations to them...however, we could still offer a better deal to folks in their 40's, 30's, and 20's. Eventually, I'd like to see us allowing folks to achieve some "minimum nest egg" amount, and get outta the FICA payments altogether.
FReegards...MUD