Even without reforms, the Social Security fund will be able to meet 100 percent of its obligations until 2042.

I am not criticizing investing in the stock market; I am an investor.

A Congressional Budget Office report released as recent as June 2004 says the system will be able to pay full benefits until 2052, and 80 percent after that.

We must explain the truth: There is no free lunch.

For people who have for been putting their hard-earned money into the system for years, the president's idea would replace their safety net with a risky gamble with no assurance of a stable return of investment.

Almost half of all Latinas currently on Social Security rely exclusively on their benefit check in retirement.

If Congress doesn't raise taxes, you cannot get a private investment account without forgoing a portion, possibly all, of your guaranteed benefit check.