Many fools even think that, if they just work hard, they can do as well as Romney and Ryan have done.

They don't stop to think about all the advantages and good luck a Romney has to have, that millions and millions of people around the world work really hard and do their best and end up hungry and poor. And that lots of those people are right here in America.

This truth does not sell. The rich don't like it because it makes them look like they have more than they deserve (which most of them do). Businesses don't like it and won't pay to have it told because that story does not sell their products. And the poor don't like it because it makes them feel hopeless and depressed.

But it is the doggone truth.

For every Romney, there are hundreds of thousands of people who would simply curl up and die for hunger and no place to live if we allowed our country to be dragged into the Ayn Randian model that Ryan and Romney want to foist on us.

Fact is, that Romney had huge advantages that the rest of us never had -- a well known, successful father who came into his power at a time of great economic expansion in our country, educational opportunities that very few are given, a name that got him in the doors in high places, and a community of Mormons who see him as the ticket to acceptance for a rather conglomeration of ideas and theories.

As for Ryan, he came from a middle class family -- father a lawyer, but his wife's family is wealthy. (Properties with oil and gas for one thing.) So he too had a huge lucky break that very, very few get, regardless of how intelligent or charming or willing to brown-nose to the top they are.

Those of us who are normal and suffering -- whether under 55 or over -- had better stick together. For those of you who are young, the 7 1/2% of your paycheck that you set aside in Social Security taxes (plus the other portion your employer pays) is safe and sound as long as we all pull together.

Ryan thinks that everyone is as selfish and corrupt as he is, and that we will divide into two camps -- under 55 and over 55. That's not going to happen.

And here is why.

We who are over 55 know that as soon as these Republican criminals would succeed in persuading those under 55 to give up their Social Security and Medicare, they would start a campaign to get rid of Social Security and Medicare for those of us over 65. They are just greedy you-know-whats and they are after our money.

For those of you who are under 55 and investing in growth stocks and thinking how well they are doing. Forget it. Once you retire, you don't risk that little bit of money in your 401(K) in growth stocks. You invest conservatively to protect the small nest egg you have. And for 99% of us, there is no way we could live off the interest and earnings. That's because interest rates in banks are at most maybe 3% and earnings on other things -- and on other safe investments, maybe 4%?? (Those low mortgage rates have a reverse side -- low returns to savers and investors who are loaning the money for those mortgages.) Sit down and figure how much money you will have to have saved to even earn $14,000 per year at an interest rate of maybe 2% average.

Unless you are either a fool or have a lot of money, you do not trade in stocks or try to pick stocks once you retire. And most of us do not have the savings to hire a reliable financial adviser. As for ETFs, if the market is down when you have an emergency, you are sunk. You have lost. So even saving and investing in the ETF markets will never replace Social Security and Medicare. Because Social Security and Medicare are there for you, whether the markets are bad or good, you at least get something.

A lot of people lost their homes because they trusted the nonsense that the Bush administration sold about how we could become an "ownership" society. An "owned" society is more like it.

Don't be fooled.

No matter how well you are doing now or how good you think your future will be, you don't want to put all your eggs in the Wall Street basket. You don't want to trust your final years to a bunch of greedy clowns on Wall Street, much less to Romney and Ryan.