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What everyone who pays attention already knows hit the front page the other day: Social Security will exhaust its reserves by 2033. That's 3 years sooner than previously projected, and, most importantly, a scant 21 years away for those hoping to retrieve some of what they put in over the years.

The Social Security Administration is kind enough to send out fliers occasionally letting us know how much of a monthly check we can expect from the program we pay into all of our working lives, depending on what age we decide to hang it up. Of course the folks at...