 Plus, there's a pretty big generational imbalance, says Jennifer Urkelwater at the University of Richmond. The ratio of working-age people to support each retiree is shrinking, and so it places a heavier and heavier burden on each individual working-aged person. And the longer Congress waits to find a solution to that problem of the future, the closer it gets to repeating a crisis of the past. In Washington, I'm Kimberly Adams for Marketplace.