Today’s seniors and near-seniors spent much of their working lives in that postwar world, with their incomes rising, investments gaining, their health increasingly secure, and their retirements predictable. Everyone 55 and younger spent his or her entire working life in an economy where all those trends had stalled or reversed […] The Ryan plan, in other words, delivers to the older generation exactly what they’ve had all their lives — secure and predictable benefits — and to the next generation, more of what they’ve known — insecurity and risk.