Personally I wish the program would change to eventually end. People under 35 stop paying in, get nothing, no $$ back from what they invested but will have the rest of their working lives to make up for it with the extra $$ they will get each paycheck. Those over 35-40 will pay a smaller portion and get a smaller portion. And it goes up incrementally from there with folks over 50 paying in and still receiving full benefits. So in roughly 30 years the program won't exist, those entering the workforce now will have extra money to save for retirement. And a new program requiring employers to give information to new employees explaining saving and 401k and IRA options with matching options given to the employee for saving money as employers will also be saving $$ as well.