I give lots of talks about Social Security. I’ve given thousands of them over the past 45 years. And at almost every one of those presentations, inevitably, somebody in the crowd will get up and make a statement that begins with these words: “I’ll tell you what’s wrong with Social Security!” And then they will go off on some rant, spouting lies or half-truths. Lots of times, it’s something they’ve been telling themselves for years. Or more recently, it’s some gar-bage they picked up on the internet.