January 26, 2005 - The theme extending from yesterday to today is Social Security. Is it really going to fall apart as some suggest in the next 40 years, or will it be ok? Do I need to count on it to be able to retire, or am I saving at a rate acceptable for retiring at age 65? I don't necessarily know the answers to those questions, but I do know that I am certainly better off than many people because I was able to start saving for retirement right after I got out of college.