I know many people are saying, “Good riddance” to 2020, partly due to political turmoil but primarily due to the deadly COVID-19 virus. But as for me, I have been dreading 2021. Why? It has to do with the increase in the Social Security full retirement age. And therein lies a story. For the first half-century of the Social Security program, life was simple. You could wait until 65 to collect full benefits. Or you could take a reduced benefit as early as age 62. The term “full retirement age,” or FRA, didn’t exist and wasn’t needed. But in the early 1980s, the Social Security program was reaching a financial crunch point. So, President Ronald Reagan, working with Congress, formed the bipartisan “National Commission on Social Security Reform.” I got involved in some of their meetings—in a very minor role. And what was that role? Think “gofer”—as in: “Yes, Senator, …