Here is my social security fix.
1. Starting in 2028, raise the retirement age by one month every year until social security is projected to be actuarially sound for 75 years.
2. Starting in 2028, lower the max benefit cap by 1% every year until social security is projected to be actuarially sound for 75 years.
3. Allow workers to invest 50% of their own social security contributions in a private account. The government should take the other 50% and invest it the same way. Any other surpluses should be invested in precious medals and broad market index funds. Social security surpluses should no longer be invested in government bonds.
4. Once future benefits are funded, begin allowing young workers to opt out entirely.
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