We as Americans are being dealt a raw deal by both Congress and the White House. Everyone knows that we have to begin to address the issues of Social Security and Medicare. It is important that we find out if Social Security and Medicare are going to be either drastically cut or means tested in some form or fashion. Let’s go ahead and make the cuts so if we need to make changes, we have some time to start and change before it is too late. Many, including myself are betting that Social Security will not be there. If is is not, let us know now. I would rather know that we are going to have 50% of something than in 10 years have zero. Let’s be adults about all of this instead of being a bunch of spoiled children that expect nothing but handouts. We have to have skin in the game and make our own contributions. We cannot depend on the government for everything.