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Editor's Letter

Social Security: Not a Ponzi Scheme

It has been around for 76 years and is a model for private pension systems

When he signed the law creating Social Security, Franklin D. Roosevelt believed the program was so well insulated that "no damn politician" could tinker with it.

He was right to worry.

The linchpin was the payroll tax demanded of all workers. Once they paid into the Social Security system, he calculated, they would have a stake and never abandon it.
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