This article examined what a hypothetical wage-earner in America should do to prepare for probable reductions in Social Security benefits that will result from the political and legislative gridlock that has characterized Washington. Retirement scenarios were constructed, varying (1) the number of years until the current retirement age of 67, (2) current wage level, and (3) yield on retirement savings. In light of the sobering results, scenarios for retirement at age 70 were investigated. The results also speak to the viability of proposals for the privatization of Social Security. Along with other proposals for Social Security reform, privatization is discussed.