The next time you hear a congressman or senator bashing Social Security (search) reform, ask them this question: If the system's so great, why aren't you in it?

They have choices in their retirement plan. They can pick from a variety of options: stocks, bonds, indexes.

You name it, they have it.

We don't.

Is that right? Is that fair?

Then ask them this: If you like the Social Security system the rest of us mere mortals have, why don't you junk the system that you have.

How many would do that? How many would risk that? Probably not many, because when push comes to shove, what they've got is better than what we've got.

They know it. They just don't want you to know it.

Look, there are plenty of ways to fix Social Security.

Some things we'll sacrifice. But truth shouldn't be one of them.

So the next time you hear your congressman saying he's looking after your retirement, look at his. Then tell him to look in the mirror.

Watch Neil Cavuto weekdays at 4 p.m. ET on "Your World with Cavuto" and send your comments to cavuto@foxnews.com

Neil Cavuto serves as senior vice president, anchor and managing editor for both FOX News Channel (FNC) and FOX Business Network (FBN). He is anchor of FNC's Your World with Cavuto - the number one rated cable news program for the 4 p.m. timeslot - as well as the FNC Saturday show Cavuto on Business. He also hosts Cavuto on FBN weeknights at 8 p.m. In addition to anchoring daily programs and breaking news specials on FNC and FBN, Cavuto oversees business news content for both networks and FNC's weekend business shows, including Bulls & Bears, Forbes on Fox, and Cashin' In. Click here for more on Neil Cavuto.