I won't disagree, but if I know the money is not going to be there, what good is being "qualified". A "a new deal" needs to be formulated.
Why should I pay in to this current ponzi scheme? Especially at much higher rates than you had to pay? Why sacrifice for a generation that on the whole, has led the 'life of riley' (compared to previous and post generations), and has generated more wealth for themselves than any other generation, ever, in the history of this planet?
Honestly, I can't afford it. Your generation has a chance to redeem itself in the eyes of the rest of America. Make a real sacrifice.
I agree that a "new deal" is needed overall, but you might want to find another term for it, around here. ;)
How old are you, Jonesy? :)