GOVERNMENT-RUN SOCIAL SECURITY is bad news for blacks and other minorities, but it's really just the shorter end of a short stick. Here's what's really damming:

[T]he evidence shows personal retirement accounts are superior – even for folks who would have retired at the peak of the recent financial crisis.

This is personal to me, since I did retire in 2010 just as the 'recovery' (heh) was beginning.

Here are some other posts on Social Security from back in 2007 and 2008.