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According to Tanner, Social Security is failing, and will continue to fail, as an anti-poverty and retirement program unless a change can be made yielding the best possible return on a senior's investment. He argues that there is strong evidence that, "Social Security discourages savings" (p. 163), therefore is failing to prevent poverty. To Tanner, the program is also failing as a retirement program because without it, the elderly would be more willing to save and plan for their future. The most logical solution, as stated in the essay, is a new system that is intergenerational. According to the Tanner, although every senior is eligible for the program at the same time, there is a large difference in the levels of benefits one might receive...
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