Except for the very lowest rungs of the economic ladder, it is fully
possible to save & invest.


John H wrote:
And for those who can't?


You want the gummint to step in and coddle people who don't have the
self-discipline to provide for themselves?



It does require the self discipline to live within (or even below) one's
means. Solid investment advice is available for free at the nearest
public library... again, though, that requires self-discipline.


Self discipline and sufficient income. Yes, for those with extra money

That's ridiculous. Nobody has "extra money." Not you, me, not poor
people, nor millionaires. There is only the self-discipline to live
within your means, and save, and the lack of that self-discipline.

... to
invest, advice is everywhere.

Including bad advice. That's why the public library is a great place to
start... costs nothing, nobody trying to sell you anything, no vested
interests pushing their "plan."




People currently have no choice as to the investment of their SS money.


And there is no reason why the people should have yet another intrusive
gov't program that takes money away from them. If you want the people to
have choice, why not let them keep that money in the first place?

A reduction in SS taxes would be better all the way around.... except
that President Bush could not then funnel that money into the "right"
pockets...

DSK