sobering stuff IMHO Even if uncle sam didn't have any fiscal problems, this poses significant challenges . Even if you have money to spend as a senior, you are dependent upon younger generations to provide you with the services you need. Since the proportion of those younger than 65 is expected to shrink. There will be more competition for the producers wares in the future. (esp if the indolent society keeps increasing) So in effect you are in a competition with your cohorts as to your relative as well as absolute wealth position.