Get government out of retirement planning

Increasingly, the government is taking control of the financial decisions that will determine the quality of life we lead during our golden years — and that should concern everyone.
First, there was the failure of Social Security, which has always been more of a Ponzi scheme than a retirement program. Social Security’s old-age trust fund will be exhausted in 2035, at which point it will only be able to pay out 77 percent of promised benefits, according to the 2016 report from Social