All the talk at the end of last year about the so-called "fiscal cliff" our country faced if Congress and the president couldn't agree on economic reforms got me to thinking about the fiscal cliff Social Security faces - not imminently but about 20 years down the road. And I'm obviously not the only one thinking about it. Not a single day goes by when I don't get emails from readers that include some comment like this: "Thanks for your help in understanding my Social Security situation. I just hope the program will still be there when I ...
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