This article was prompted by, what can only be called the bizarre annual Social Security “Important Information” for 2016 that arrived in my mailbox in the last days of December last year. The amount of misinformation and outright lies in this report is astounding; it is in fact so bad that Carolyn Watts Colvin, the SS Administrator should be replaced. Her predecessor Astrue’s in a seminal statement on social Security said: “Social Security was never intended to fully provide for retirement. That is a myth that circulates in certain quarters, and it is a very dangerous myth because if you don’t fully prepare for your retirement through private savings, you are likely to have a very difficult retirement.”