In 1960 there were more than 5 workers to every retiree. Currently there are only 3 workers to every retiree, and that ratio will be further reduced to 2 workers to every retiree once the baby boomer generation leaves the workforce. This will cause an overwhelming burden on future generations unless we take action. Therefore, I support the creation of personalized retirement accounts within the Social Security system. The current issuance of government bonds provides only a two percent return on investments. Personalized retirement accounts would grant current workers the ability to devote a portion of their Social Security taxes into an account where the power of compound interest will provide a larger return. We also have an obligation to ensure that the benefits of current retirees and those soon to retire are not jeopardized.