ABC posted an interesting article about Social Security today. I've never thought about Social Security as a type of insurance before this article. Our government could sure take a lesson or two about managing risk. When Social Secuirty was founded, the payout was at age 65 at a time when we lived to the average age of 64. Now our average age is much older, and there simply have not been enough adjustments to the payout schedule to make this "insurance policy" work. No wonder I'm paying into an "insurance policy" that likely won't be around when I retire.