There should not be any reduction, freeze, or changes in the benefits provided existing retirees. This is a promise made to those over the age of 62 by their government, and it must be honored 100 percent. No ifs, ands, or buts. Period. Going forward, reforms are needed to ensure the long-term solvency of the program. These reforms should include providing younger workers with the option of investing a portion of their current Social Security taxes into personal retirement accounts, similar to the retirement plan already available to federal employees. The program should also include a property right so workers can pass on these assets to their heirs.