Some highlights of the Roadmap: Replace Medicare with a voucher-based system, get rid of the corporate income tax and replace it with a consumption tax, offer a simplified income tax system and personal investment accounts as an alternative to the current Social Security system.

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Just as in Chile, for 30 years now they have paid much less into their personal account savings and investment system than required by Social Security, but receive much more in benefits.

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Moreover, no workers were left to rely on the government safety net guarantee backing up the accounts due to poor investment performance leaving them with less than the old Social Security system promised.

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Social Security operates as a pure tax and redistribution system, with no real savings and investment anywhere.

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For decades, policy wonks on the Republican fringes had talked about turning Social Security, the government safety-net program for retirees, into a system of private investment accounts.

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If anything, after the dot com, technology, and housing bubbles and financial system meltdown, the nation seems to be craving exactly the type of investment that Social Security represents.

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As a lawyer and investment management professional, I encourage anyone who enters into the debate regarding modification of the Social Security system to remember stories such as my own.

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The worker would invest the personal account funds by choosing from a range of privately managed investment funds, just as with the Federal Thrift Savings Plan for federal employees, or the Social Security personal account system adopted 30 years ago in Chile that has operated with such great success for the workers of that nation.

FORBES: Social Security Personal Accounts Are A Path To Prosperity