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Edward Lazears analysis of the virtues of private accounts for social security exagerates the degree to which African Americans subsidize white Americans and largely ignores the value of Social Security as an annuity that individual beneficiaries cannot exhaust.

the economists' voice

Why the Annuity Feature of Social Security is Valuable and Why Despite the Annuity Feature African-Americans Do Not Fare Badly: a Letter Commenting on "The Virtues of Personal Accounts for Social Security" by Edward P. Lazear