Over the years, the rules governing Social Security benefit determination have become so convoluted and indecipherable that even the people working at the local Social Security offices routinely get things wrong.
In these highly volatile economic times, when millions of Americans lost their life savings in the 2008 Wall Street crash, it is important to remember that since its inception, through good economic times and bad, Social Security has paid every penny owed to every eligible beneficiary.
President Obama and Mitt Romney would do well to point out that having our primary system of saving be an institution that neither Democrats nor Republicans can figure out and which can't pay a very large chunk of its bills going forward is doing no one any good.
Bill Keller seems to think that boomers, particularly affluent ones, should stop being so self-centered and accept lower benefits in Social Security and Medicare. But if that's your view, you shouldn't write a piece like his this week without pointing certain things out.
In better times, ordinary Americans could have fun thinking through their work options with the help of the best-seller What Color is Your Parachute? These days, their parachute is gray or black -- and made of lead.
If Gen X can set aside our cynicism, embrace our strength for commonsense solutions and turn that into a political voice for a practical and equitable answer to the funding gap, this is one "disaster" we have the power to prevent.