Social Security the First Recorded Research Proposal

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Slow the growth of traditional Social Security benefits for middle- and upper-class Americans. The benefits of the wealthiest Americans (those who earn more than $100,000 a year) would grow "only" at the rate of inflation.

In this way nobody would suffer a true cut -- even the richest Social Security recipients would be guaranteed at least the same, inflation-adjusted level of benefits today's retirees receive. Meanwhile, because benefits for the poorest Americans would remain tied to wages, we'd ensure that they receive proportionally higher benefits in years to come (Feulner).

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Personal Retirement Accounts (PRAs) would let all workers invest a portion of their payroll taxes into personal accounts they would own and control. They would be similar to an IRA, except workers would be investing their own tax money, and they would have only a handful of safe bond and mutual funds to invest in. At retirement, a worker could convert the entire account into an annuity or leave some of the money invested to spend later or pass on to heirs (Feulner)......

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