For most Americans, Social Security and Medicare are central to the compact citizens have with government. We pay into the system during our working lives, then the system helps support us for however long we last. But compared to the increasing number of beneficiaries, there are fewer workers paying in than ever before. Young hipsters for whom old age and retirement seem ridiculously distant should dial in here: you’re paying for your parents and grandparents. Who pays when it’s your turn? Big decisions and tough tradeoffs lie ahead. Mom, dad, grandma and grandpa are waiting!