IMHO we're all fucked and it is impossible for anyone to do anything about it. There is no solution, only a slow descend into hell. Time to bail the country while you still can since every municipality and state is insolvent. Even if no financial crisis and housing prices went up 10% forever, SS and Medicare was a ticking doomsday bomb designed to take the entire worldwide financial system down. The credit crisis of 2008-2009 just speed it up 30 years or so.