1936 Social Security poster The Center for Retirement Research says Social Security needs to be modernized to deal with declining rates of marriage, wage stagnation, and increased longevity. (Photo of 1936 Social Security poster: AP)

The Social Security system needs updating as societal needs change—but while a number of proposed changes would help specific groups whose needs have changed since the system began, they must, and could, be done in a way that would not only be effective but also cost neutral.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.