For any readers of a certain age, your thoughts may be turning to ongoing reports about the burgeoning national debt and rumors that Congress is considering making changes to programs such as Social Security. I can relate, as I’m already being hit with a deluge of mail both from the government and various private insurance schemes saying that I’ll be turning 65 soon and there’s all sorts of information I “need” to know first. But what is the state of the Social Security system and is it in need of major changes? Do people rely on it too much? Conservative political commentator Ben Shapiro (also sometimes known as Dr. Dreidel) recently shared some thoughts on the program and shocked many people when he suggested that nobody should expect to be receiving payments that early and that we need to raise the official retirement age. Let’s just say that not everyone is a fan of that view….