Though Congress continues to explore possible solutions to ensure social security solvency, everyone must take personal responsibility to prepare their own retirement savings accordingly.

There is a need for Social Security reform to ensure its stability, and Congress must act.

Social Security Number Cards by themselves were never intended to be personal identity documents because they cannot confirm that a person presenting a card is actually the person whose name appears on the card.

Since Social Security faces a large gap between what it promises younger workers and what it can afford to pay them, private savings will likely need to play a larger role in retirement planning for younger workers.

Social Security is more than just a retirement program. The biggest misunderstanding is that it's a program for old folks.

President Roosevelt, the author of Social Security, was the first to suggest that, in order to provide for the country's retirement needs, Social Security would need to be supplemented by personal savings accounts.