Part one of term paper
Social Security is not a problem right now; in fact, it runs a large surplus every year. However, Americans are living longer, and drawing more Social Security payments than they ever put in. Early in the next century, we will be paying out more than we take in, and Social Security will have to dip into its surplus, which is currently used b ...

Part two of term paper
... not they wish to invest their own Social Security funds in a high-yield bank account, or the stock market. Right now, the average American has withdrawn all he has put into Social Security within 7 years of retirement. This forces the everyday worker to support those currently on Social Security with his payments. Whoever is still in the work force should be given the opportunity to do with their money as they see fit. If someone feels that they are unable to invest wisely in the stock market, th ...