"The rate of return on Social Security for people nearing retirement is about 1.5 percent. By the time young children like mine are ready to retire, that rate of return will be a negative percentage"

This quote by Paul Ryan is a cautioning about the future of Social Security. He is stating that the rate of return on Social Security for individuals nearing retirement is currently 1.5 percent, but by the time young children like his are ready to retire, that rate of return will be an unfavorable percentage. This indicates that the money that people took into Social Security will not be enough to cover the amount they will require to live easily in retirement. This is a cautioning to young people to begin saving for retirement now, as Social Security might not suffice to cover their needs in the future. It is also a cautioning to policy makers to act now to make sure that Social Security has the ability to attend to future generations.