[ExSES]

Start a Roth IRA. Fund it to the max allowable and do not miss a year. That is about the only option you have. And it is a good one.

Until a future congress decides that the "evil rich" received far too great a benefit from the Roth IRA and decide that all Roth proceeds over and above the original contributions must be included as taxable income!

Face facts, Roth IRA's would be much easier (politically) to eliminate than would Social Security!

[Comus]

Congress will confiscate all private retirement funds to save Social Security. Your IRA's and any other tax deferred instruments, and your company retirement funds. There are far too few people who are planning for the future and their votes will be minor compared to the destroyers. You will be better off with regular savings and real property. The mutual fund peddlers will deny this, but wait and see what happens.