As the presidential race heats up, discussions about how to reform social security will be a key debate. The Heritage Foundation has produced a helpful piece about the myths surrounding reform and personal retirement accounts, which have been called a risky scheme by detractors. In reality, the accounts offer Americans the opportunity to have a say in their retirement investment and the likelihood of a greater return and more prosperous life. That’s a benefit that helps everyone, regardless of background, ethnicity or gender. Read this easy-to-understand piece here.