"The reason we have social security is because people don't save what they need to." Have a law forcing people to put the money into a conservative retirement

"The reason we have social security is because people don't save what they need to." Have a law forcing people to put the money into a conservative retirement plan of their choosing. "I don't think the Social Security program is at all broken; what's broken is that we've used the Social Security surplus over the last 20+ years to help fund a general fund spending deficit." Absolutely true. But we've also used that surplus to spend much more on current retirees than they ever put in.