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Using Social Security to Punish the Rich Doesn't Help the Poor

I’ve repeatedly argued that there are two Social Security crises. The one most people know about is the fiscal crisis. Simply stated, the program is bankrupt.

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Against Profligate Digital Shunning

I have an interesting meeting next week. A young woman in my community is working very hard on a set of policy suggestions for environmental measures, and she wants a libertarian perspective on the ideas she has drawn up. So we’re going to get together over coffee and talk about her plan and about what I think libertarians might think of it.

But I don’t want to write about her plan today.

I want to write about her invitation to talk about it.

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Retirement Is Nobody’s Business but Your Own

As someone who works around a lot of economists in Washington, DC, I am privy to a lot of big talk about the problem of retirement policy. The overwhelming consensus among the learned is that Americans, as a group, aren’t saving enough money for retirement, and that if we can gather sufficiently clever people in a room, we can figure out a way to coerce, trick, or otherwise induce workers to be more responsible with their incomes.

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Stop Misusing the Term "Health Care"

Media reports say that 20 million Americans will lose their “health care” under the Republican plan to replace ObamaCare, as if health care is like a cellphone, wallet, or item of clothing unintentionally left somewhere or stolen by someone.

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America's Brazilian Future

When I write about poorly designed entitlement programs, I will warn about America’s Greek future. Simply stated, we will suffer the same chaos and disarray now plaguing Greece if we don’t engage in serious reform.

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The Road to Serfdom

Is there a greater tragedy imaginable than that in our endeavour consciously to shape our future in accordance with high ideals we should in fact unwittingly produce the very opposite of what we have been striving for?

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How much Life Insurance should you own?

One of the most fundamental questions about Life Insurance: How much? There's more than one answer.

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Brent D. Gardner, CLU, ChFC