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James Morgan - Puritan Financial Advisor

The US has been slowly increasing the normal retirement age in stages first from age 65 to 66, and then to age 67 for everyone born after 1960. These have been steps in the right direction, but they do not go far enough and have been too slow. It is time to raise more rapidly the normal retirement age for persons in reasonably good health to age 70 before they become eligible for either social security or Medicare benefits.


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Why not increase incentives for financial and human capital investments which (over time) would have similar effects?

Why not focus on growth rather than limitation strategies?

It is both a theoretical and practical error to embrace the usual pessimistic approaches to these questions.


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Rand Paul, with all of his shortcomings, is one such fella. he might be willing to wait out the waters and act when there is some political pull like his dad is doing for the federal reserve


I propose that the US and other countries greatly raise over time the retirement age before the average person became eligible for either social security retirement income or publicly-funded health benefits.

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Orszag, when head of the Congressional Budget Office (CBO) in August 2008, predicted that unless radical actions are taken, the cost of Medicare, Medicaid, and social security will rise from 18 percent of GDP in 2008 to 28 percent by the middle of this century, and perhaps to 35 percent soon thereafter. Of course, such estimates depend on many guesses, such as the future rates of growth of GDP, how life expectancy will change, and how many expensive advances will occur in medical care. Still, these estimates are consistent with those made by others, and clearly indicate that health and retirement entitlements will become a growing American fiscal problem unless important steps are taken to scale them back. Similar concerns apply to the UK, Germany, Japan, and other rich countries.

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Thanks for your comment. I liked my first one. It brought back the pain of finding out how unfair life and education can be.


This sheds some light on the possible roots of your misogynistic tendencies Matt.

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This was amazing. I was there with you - and it's as close as I want to get to a military experience.

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Allow yourself time to grieve over the deaths of your chickens, but don't think for a moment that you did something wrong.


Of course, this only applied to dignified rifle-hunting of stags and boars.


Wonderful writing and a fascinating story, Matt! I was fearful all might not end well for a moment there but boy was I smiling when that jackrabbit took off!


This is a very thoughtful piece. Sheds light on a subject that is causing much consternation among the book-loving community.


This sheds some light on the possible roots of your misogynistic tendencies Matt.

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