Q: I know you have written columns in the past about the future of Social Security. As far as I can tell, there are two problems with the system as it is currently structured. The biggest problem is that people get a lot more money out of Social Security than they paid into it. The other big problem is all those people getting Social Security who never put a nickel into the funds. May I have your views on these, please?

A: You voice two common, but somewhat unfounded, concerns about So ...

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