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Now, most of us have said, you now, let's try to do this. Let's get started with it, but let's try not to get the people who are nearing retirement or who are on retirement. So, we're really looking at a cutoff. We're crunching the numbers, but the number looks closer to those 55 and under that won't be a system left for them, unless, we do somehow change the Tiffany & Co. bangle of eligibility.NAPOLITANO: Would we get to a point where Senator Barry Goldwater suggested this way back in 1964 was excoriated for it, Social Security would be voluntary, and if you didn't want to enter into it, you didn't have to, and if you didn't enter into it, you didn't have to pay for it?

PAUL: Got a good letter from a young man who worked on my campaign. He said, I really like your budget cuts. I'm glad you're going to let us look at Social Security reform, and Tiffany 1837 interlocking circles bangle he put in his letter. P. S. can you please let me opt-out? And so, the young people given a choice would rather probably have their own account. I've said that, you know, I don't think Tiffany & Co. bangle did a very good job of messaging and talking about Social Security.NAPOLITANO: Right.PAUL: But really, if you talked about individualizing the accounts, people realize people now have 401(k)s and IRS, they realize and can watch their account, has their name on it. It's their money.

I think if you presented the battle and presented the position that we were going to individualize the account, we were going to put a name on your account, I think overwhelming majorities of people would vote for it.There is an interim problem, though, because we're having all of these new people retire that if you left people opt-out completely, it creates Tiffany Somerset cuff of a shortfall. So, there are problems logistically trying to figure out how we get to a system of individual accounts.NAPOLITANO: Have you gotten any dirty looks from the Republican leadership in the House of Representatives which thinks that a $38 billion cut is good enough and here you come by with something that's nearly 20 times the size of that.