Atlanta rapper Ludacris came out with a new record a few weeks ago, and he's got some strong words about personal accounts. Whether he knows it or not, Ludacris is most likely a supporter of personal retirement accounts. In his song "Mouths to Feed," Ludacris raps,

I'm 'bout supply and demand...

I'm the [expletive] future, I'm a working machine

Don't trust a soul, I'm the only one watching my green.

Though open to interpretation, "Mouths to Feed" seems to address the demographic changes that have resulted in fewer workers contributing to the Social Security benefits that each retiree deserves. We're working machines, but the money that we are paying into the system supports current retirees. And even though the program is running a surplus, no money is set aside for our eventual retirement.  Congress isn't watching our green, they're just spending it. 

In his most pointed criticism yet of the Social Security "trust fund," Ludacris points out that "If it don't make dolla' then it don't make sense." This is the same argument we've been making: young people could get a much better rate of return on our payroll taxes if we were allowed to invest in the market through personal accounts.

When it comes to Social Security, Luda tells it like it is. Thanks, Ludacris.