Last week the smart folks in Washington D.C. suddenly discovered small business owners have a tendency to avoid creating retirement benefit plans. No doubt this concerned them because, without the old reliable 401(k) plan to sustain them, retiring Americans will come knocking on Uncle Sam’s door looking for that promised safety net.

Being that Uncle Sam can’t go knocking on Aunt China’s door forever, the prospect of future generations needing government to fund their retirement means Uncle Sam will have to pay back all those IOUs he has been busy stacking up in the Social Security Lock Box.

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