First it is pie in the sky to believe that many of today's workers won't need social security and medicae or some form thereof.

It bothers me that politicians refer to these programs as "entitlements" unless they mean they are entitled to these funds for their personal use. These programs would be in excellent shape without increasing the retirement age or reducing benefits but for the fact that pols moved contributions to a general fund. I have experience with people defrauding insurance and can tell you experts only scratch the surface. The point I am attempting to mak is that politcians make a big issue of these programs not working but its a red herring. these progrmas would have been very secureand beneficial if pols kept their fingers off the contributions and administrators did a berter job of policing benefits. If both were done efficiently and efectively Paul ryan's plan would be unnecessary