Douglas..If the Social Security Trust had of been kept under "lock and key", Social Security would be in fine shape today..mainly due to the number of illegals paying in "illegally" that will never draw a dime out of it.

However, those in favor of doing away with Social Security and replacing it with (non) "Personal Retirement Accounts" are wanting to reserve the right to use YOUR money to benefit Wall Street first....and you if anything is left over after the whims of the investors that are going to "handle" your private investment!

If anyone wants a truly "private" account..go to the bank and put YOUR money in YOUR own name in a savings account...and only to the limit that such an account is insured for!!