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Social Security is an insurance policy. It's a terrible investment vehicle. Social Security has some great benefits. But it was never meant to be a savings plan. So we need to have a national debate. Should this 12.5 percent that we're contributing all go into a Social Security pool, or should half go into a mandatory savings plan?

Social Security is based on a principle. It's based on the principle that you care about other people. You care whether the widow across town, a disabled widow, is going to be able to have food to eat.