1935年,美国总统罗斯福签署法案,建立社会保障制度。在这个制度下,政府从就业者的工资中抽取一定比例的工资税,放入社会保障基金中,用来发放退休金,以保障退休者最基本的生活水平。 然而,这套实施了六十多年的制度,与其他不少政府项目一样,存在着“高成本,低效益”的忧患。 为此,多年来,美国方方面面的人士都在热烈地讨论关于养老金制度的改革方案。但关于养老金制度改革的绝大多数建议都是意识上的,信息不清且不切实际。无需多说,提出这些建议肯定会失去选票,因为,哪个政党开罪了日益壮大的退休阶层,哪个政党的政治前途就不堪设想。现在,这种状况不会再继续下去了。今天,美国人民 In 1935, U.S. President Roosevelt signed a bill to establish a social security system. Under this system, the government draws a certain percentage of salary tax from the wages of employed persons and puts it into the social security fund for the payment of pensions so as to guarantee the most basic living standard of retirees. However, this system has been implemented for more than 60 years and, like many other government projects, there is a problem of “high cost and low efficiency”. For this reason, over the years, people from all walks of life in the United States are enthusiastically discussing the reform plan on the pension system. However, the overwhelming majority of proposals for reforming the pension system are conscious, unclear and unrealistic. Needless to say, these proposals will surely lose votes because the political future of any political party is unthinkable as to which party has perpetrated the growing retirement class. Now, this situation will not continue. Today, the American people