If that is true -- people universally don't save what they need to -- than the proposed social security program of taxing everyone to give to the poor will be i

If that is true -- people universally don't save what they need to -- than the proposed social security program of taxing everyone to give to the poor will be identical to what we have now. It isn't entirely true, though. If you look at any net worth by age chart, the values go up with the age categories. People do save, just maybe not enough.