I think you missed it someplace, John. The influx of baby-boomers was taken into consideration by the economists who say that raising the cap to $140,000 would solve the problem. In addition to raising the cap, there are several other ways of solving the problem relatively painlessly without undercutting the system the way Bush wants to do.

Remember, his real goal is not what he says it is.

If you actually did have that 12% in hand, would you really invest it? Or would you (like most people) spend it paying those pesky monthly bills?

Don Firth