Best Way to Save Social Security

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Last week two more Democrats joined the presidential race. With so many candidates in the mix, it might seem reasonable to expect a diversity of opinion on major issues. Yet when it comes to Social Security's future, there is little being said by these candidates aside from a promise to protect the status quo. Most private-sector economists and policy analysts, however, have long warned that the status quo is unsustainable.

Many of these same experts have advocated transforming America's insolvent, "pay-as-you-go" Social Security program into a fully funded system of personal accounts, where individuals could invest their payroll taxes in diversified market investments, …