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Adulthood Discussion The subjects of retirement and health insurance are much in the news these days. Discuss your plans for retirement with a special emphasis on income after retirement and health insurance. After a lifetime of paying Social Security and Medicare taxes in every payroll check, your grandparents and parents are counting on having Social Security and Medicare to help with the inevitable loss of income occuring at retirement. Things may be different for your generation. Many are discussing privatizing Social Security and doing away with Medicare. Even Republican voters in the State of Florida are opposed to this plan. Read the report on a survey of Republican Primary Voters who objected 2:1 to plans to change these benefits (among Hispanic voters, opposition was even stronger with 4:1 voters opposing changes). Given what you know of the volatilty of the stock markets that are up one day and down drastically another, would you risk your retirement to the stock market? Would you risk your health on having the ability to pay for private health insurance when you retire? Despite what you’ve heard, Social Security and Medicare can be saved. The generation entering the workforce today (The Millenials) are an even larger generation than the retiring Baby Boomer generation. As long as as many or more are paying into the system than those who are retiring, the programs can and should be saved. You never know how your life will turn out and it is essential to have a basic retirement cushion to live on. Moreover, it is your money after all. You have paid into both Social Security and Medicare with every paycheck since you started working. What can you do now to help save Social Security and Medicare? Some believe it is essential to send politicians to Washington and Tallahassee who will protect those benefits. But it is not enough to save these benefits. What can you do to guarantee a comfortable retirement and good medical care in your old age? Remember the criteria for the discussions: 100-200 word original post 50-100 word reply post Covers every detail in the discussion description Submitted on time Grading Criteria Yes No 1. Good post; covered all the required information? 2. Post was the required length? 3. Replied to one or more students? 4. Work was college-level writing, spell-checked, grammatically correct, and student used proper punctuation and capitalization? Reply to this classmate discussion Gabriella Montero Social Security and Medicare are two of the most important things to have as you grow older. It is sad that not a lot of people pay attention and worry about these things right now until they go through it themselves and have to find a way to deal with the issue. In my opinion, we should always think ahead of what the future can lead us to. It is way better now to help save social security and medicare sooner rather than later. I believe a good way to save it is by increasing income rates to social security taxes, it could help people be debt free. Alo, it is important to find the right medicare when you get older to make sure they’re not just taking your money. There are many ways the government can help make these changes but they choose not to. Prices for everything are increasing while the money people earn at work stay the same. We pay more for things that are important while making the same budget. For my retirement and good medicare plan I will start saving ahead. I am only 18 but I personally see how my grandma retired and what little money she gains from it. My grandma tells me to save up and always have a back up plan. I hope things change in the world when it comes to social security and medicare, we all deserve it when we get to that age.

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