They will waste or lose their retirement money before they retire. You have not explained how you would change the current system without putting more money into Social Security first. Even though your plan may have higher rewards at higher risks, I believe you should create a new system that will last longer than the current system. There are 44 million people without insurance, and the number continues to rise. Texas had 23 percent of its people uninsured.
People are often without their needed prescription drugs, because the cost of it is unaffordable.
The expansion of tax-free medical savings accounts is an excellent way to help people without insurance. Your plan should include children and the elderly, regardless of income. You agreed that the United States should maintain its support of Israel but remain neutral in the Middle East conflict. Thank you for the time you spent reading my concerns. I hope you take them seriously.