the work force. so it is in dire straights. sure. this is happening sooner. people always predicted that social security would at some point go broke or have sort of an upside down model that it has right now but it s happening a year earlier than they predicted just last year. remember that president wanted to address this a while ago and it didn t go over big. they thought this could be solved with private accounts and different ways of saving your money. in the long run, we know this. from 2012 to 2014, we ll pay out more than we take in. by 2015, according to this small group, it will be fine. we ll have enough money for the pay rolls for 2037. but not if people, i imagine, continue to retire early as a boston college study shows, last year about a third more people decided i m going to call it a career than did ever before. you ve just touched on something really important. there are a lot of people who lost a lot of money as the stock market crashed and home values have g