Under the current pay-as-you-go Social Security system, not one person is actually guaranteed benefits.

On the other end of the spectrum, these women who do live long enough to collect Social Security face the challenge of being disproportionately dependent on the Social Security system for retirement income.

I do not believe that the Social Security system is in crisis.

We can preserve Social Security benefits for generations of Americans without privatizing this important program.

I don't know of any bills we have. My pension and Social Security aren't huge, but between them we do nicely. We don't require a whole lot.

So there is a bookkeeping way to say that I am not using the Social Security cash flow, but the overall effect on the taxpayer and the economy is the same. The government is borrowing additional net money.