Social Security is no longer a good deal for workers - particularly young ones. Every year Congress raids the surplus funds in the Social Security trust and diverts them to earmarks, pork and the government's general coffers. Authors Smith and Ferrara lay out the problem AND offer a solution for reform. What if America's wage earners had personal, individually registered accounts where some or all of their FICA taxes could be deposited? What if they could determine how those funds could be invested for long-term gain such as in a bank, government bonds or the stock market? Personal accounts would permanently end the raid on Social Security and transform it into a prosperity system for working Americans. The authors calculate that two spouses earning little more than minimum wage over their careers would reach retirement with close to half a million dollars in their individual accounts. They, not the government, would own these funds and they could use them as they wish, including leaving the assets to their children. Republican Newt Gingrich says, "Ferrara and Smith show not only how to stop the raid, but also how to transform Social Security into an engine of personal family wealth for all Americans." Former Executive Secretary of the Democratic National Committee Robert Keefe says, "Individual accounts can be managed effectively and safely. It is an idea whose time has come ... it is an important improvement that is urgently required to make Social Security the great program that FDR envisioned and championed." William Shipman, chairman of Carriage Oaks Partners LLC, says, "Read this book! The challenges that we face are extraordinary ... but the opportunities from thoughtful reform are just as unprecedented. Ferrara and Smith explain it all." All proceeds of Stop the Raid benefit the Social Security Foundation, a nonprofit, nonpartisan organization focused exclusively on Social Security issues, policies, research, education and reform.

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