content: I'd prefer to see ss sectioned off by individual.  It would cost almost nothing and provide better "security" for retirees.  Here's what the application form for my ss system might look like: Q1: At what age do you plan to retire? Q2: How many dollars do you wish to retire with? A: You should deposit $X dollars in your savings account each month to reach your retirement goal.  Best wishes on your future retirement!