We will never, let me repeat that, NEVER, be able to balance our budget unless the multi-trillion dollar unfunded liabilities of Social Security and Medicare are eliminated.  

No politician has dared to take on these two big gorillas in the room fearing they will not get re-elected.  To George Bush's credit, he did take on Social Security only to be demagogued to death by the Democrats who did not have a plan of their own. 

The problem is that our government has borrowed (i.e. stolen) all of the money paid in to Social Security and Medicare and then used that money to fund other pet projects. 

Social Security is nothing more than a giant "Ponzi" scheme like that which put Bernie Madoff in prison.My financial experience will serve me well with these kinds of problems. 

We have to have a plan to "fund" these unfunded liabilities and it will involve actually investing the money that pours into Social Security and Medicare from now on and never let politicians use that money again.  You can use "zero" bonds that mature far out in the future to guarantee that people will have the money when they need it. 

I used to do this all the time with my Paine Webber clients to make sure, for example, that their young children would be assured they have the money for college or that my clients would have the necessary retirement money.  Our government can do the exact same thing.