Social Security: The Really Troubled Program
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The bottom line: individuals are being asked to shoulder more financial responsibility, from private accounts for Social Security to new health-savings accounts that put the onus on you to keep spending in check. We are moving away from the Depression-era welfare state toward one that requires self-sufficiency. Shrinking pensions and the rise of 401(k)s fit that trend. President Bush calls it an ownership society. What that means is that more and more Americans are on their own. --By Daniel Kadlec
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