It sounds morbid, but most of the Baby Boomers will have to die off before there is serious reform. Generation X is much smaller. Of course, there was a mini-boomlet throughout the 1980s (including myself), of the Boomers' children. If nothing is reformed significantly within the next 35-40 years, SS will be the vast majority of the government's expenditures. I really, really wish I could just opt out and invest my money on my own. A) It's unfair to force people into the system; and B) I could an outrageously better return investing the money myself. I am sure any future employers would love to be rid of the paper-eating charade of their contribution, too. Fortunately, I should qualify for 401(k) matching in the future. Shouldn't someone in his/her 20s be rewarded for taking steps to provide for their retirement so early?