I guess I am fairly skeptical about the future financial prospects, we have an economy limping along, and a deficit that is about to go vertical based upon our debt and entitlement commitments (debt payments, pensions, healthcare, SS, infrastructure, et al). CBO projects look grim if you take out overly optimistic GDP increases, and then look abysmal if our country credit rating gets downgraded (though honestly if we fall the world economy goes too, so I don't know if that will really happen). Regardless, I wonder what is going to happen when the government is looking for a way to fill their shortfalls they have created by withdrawing money from SS and committing more money than we are capable of supporting on welfare and entitlement programs that have expanded beyond any reasonable mandate. I personally think that if SS is solvent by the time any of us are around to take money from it, well, we will be means tested out of it (so much for all that money I have donated to the group "cause"). The next big pot of money would be 401ks and savings, other countries have already raided those of their citizens, makes me question having a completely 100% retirement plan that relies money in that bank that can be easily taxed and "borrowed". At the very least I would not be surprised if a change in the tax rules for Roth and 401ks doesn't happen in the next few years that benefits the government and lets them tap some of that wealth. Hopefully I am wrong, but the other solution, getting control of our spending and paying down the debt, well, I have very little faith in either party being able to do that.