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

To allow all U.S. workers to put part of their earnings into private investment accounts would definitely erode the Social Security system and cause uncertainty for new investors.

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

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

We must take the time to do what needs to be done now, what is right, instead of passing a bad bill.

Because of their low earnings and family obligations, Latinas would not be putting much money into private investment accounts. An average Latina could wind up losing thousands of dollars under this proposal.

Our political leaders must be honest and forthcoming with data that will allow citizens to use facts and figures to judge for themselves what state Social Security is in.