AC-T Title: "Government should not inherit unused Social Security funds"

In his business column, “Social Security benefits based on many factors,” (AC-T, July 4), Warren Wall spends many words explaining how to decide when you start withdrawing your Social Security payments. It’s a complicated decision I had to make a couple of years ago. It’s only complicated, of course, because your Social Security benefits do not belong to you, they belong to the government. They are promised, but they are not guaranteed. If the account were a personal account as proposed by the president, and as explained very well by the Cato Institute on www.socialsecurity.org, you would own it. At your death, if there were still funds in your account, your beneficiary would inherit them. Personal accounts are not for us graybeards, by the way, they are for our children and especially for our grandchildren. There are better ways to proceed with Social Security than to proceed down, repeat down, the current path.

George Keller, Asheville