Solve It Cheap

Social Security was started as and continues to be a Ponzi scheme and a scam.  It is unworkable and unconstitutional.

There is no constitutional authorization for the federal government to be involved in forcing the American people to join any such scam. The program should be phased out.  Ideally, just dropping the program would best suit the constitution. But I realize that’s neither possible nor practical.  Like a junkie going cold turkey, it could kill the victim.  We have become addicted to these socialist scams and have to be aggressive but methodical and logical in weaning ourselves from them.  Those who were robbed for decades to fund SSI were promised a retirement income.  One could correctly argue that the generation retiring now is also the generation who allowed government to take their “investment” and waste it, so it’s not the responsibility of future generations to sell themselves into slavery to pay it back to them.  But I believe we can phase it out soon without leaving our elderly who’ve counted on the system and made no other preparations out in the cold.
I propose cutting off all new collections of SSI taxes from anyone under 35. If you are now under the age of 35, you never have to pay another cent to SSI, and you will never collect it either. Start preparing for your own retirement. Invest the same money in a legitimate investment and you’ll be rich by age 65 anyway instead of looking for a few hundred dollars a month. If you are between the ages of 35 and 50, your SSI payments will be cut in half and sent into real private accounts similar to 401ks. You will earn interest, government can’t get it and waste it, and if you die it’s passed on like any other property to your kids or whoever you choose to leave it to. At age 70, it’s yours tax free to do with as you choose.
For those over 50, your SSI remains intact, but the age of retirement is raised to 75. And the SI payments will no longer be part of the federal government’s general accounting. It will be transferred to private funds growing interest.  Current payments to current retirees will remain intact, but no longer be in the SSI’s accounting, but rather treated as welfare, which is what it’s become.  The money paid into it was wasted decades ago and it’s living on borrowed money, we have to be honest about that.  If you are in that group and you object to being put on welfare, then I can only say that you should have thought about that when you kept re-electing the sleaze who wasted your money.
SSI payments to those who never put into the system will be eliminated. No more benefits for the various third parties, family members, etc.  Again, to be honest about it, if you are 30 years old getting SSI “disability” payments, you are on welfare that’s being called something else to make it sound like you aren’t on welfare.  You didn’t buy insurance from SSI, and they didn’t insure anything.  They wasted what little retirement “investment” (their word, not mine) you put into it, and now our government is borrowing money from our enemies in china to pay you, hoping you’ll keep voting for them, and your grandchildren will grow up as slaves to pay for it if we continue in the direction we are going.
Welfare is another unconstitutional collection of federal programs, and should be phased out quickly, allowing for those I mention above on the SSI welfare program.  If any states wish to have such a program, it’s up to them.  But I would suggest that the states setup such a program as a legitimate charity would set it up, holding those who receive it accountable for using it properly and disallowing abuse of it instead of rewarding abuse as the current welfare system has done for decades.  The homeless, the hungry, the poverty stricken, even drug addicts, can be housed in barracks and rules enforced. Different buildings for men women and children.  This is far less a burden on taxpayers than simply handing out tax dollars and expecting people who’ve proven unable to manage money to manage the money properly.  The children can be cared for by the mothers and volunteers with state employees as necessary.  The adults can be trained and transported to and from jobs and given regular drug and alcohol screenings. Those who refuse to be sober and work and or learn, shouldn’t be further assisted and should be removed.  Food can be purchased on contract from vendors and made similar to processed dry pet food, but engineered to be highly nutritious but also to have enough of an unpleasant taste as to remove any street value in order to prevent theft and encourage those relying on it to work and improve themselves so they can purchase their own food with their own money.  But adoption of such a program is entirely up to the states.

The federal government has no constitutional business being involved in such things, including funding it.