It's no accident I've hated Social Security for 40 years. That's exactly how long the federal government has been skimming money from my paycheck and putting it into its Social Security "lockbox" for my retirement. In 1964, the summer I made $547 as a stock boy in Eat 'n Park's warehouse, I heard Barry Goldwater boldly declare that Social Security should be voluntary. I dug that message at age 17 and I still do, though at 57 I know I'll never live to see it happen. In fact, I'd bet my 401(k) no one will ever live to see Social...