America stands at a crossroads. We can lurch toward the predictable Social Security crisis of 2033—an avoidable collapse brought on by decades of political evasion—or we can choose a future rooted in personal ownership, earned dignity, and financial strength. Our Plan chooses the latter. It replaces empty promises with real assets, replaces political risk with individual control, and restores the founding American ideal of freedom through personal responsibility.

Under our reform, every worker begins building a Personal Retirement Account—a private, inheritable, investment-based savings account—starting in 2028. At the same time, we stabilize the legacy Social Security system through a limited, one-time set of adjustments that protect lower-income retirees while ensuring the system can gracefully wind down as PRAs rise. The result is a permanent solution: no panic, no emergency cuts, no massive tax hikes, and no government borrowing. No more kicking the can down the road.

This is the first complete solution that solves Social Security’s insolvency forever—not through austerity, but by shifting retirement security from political promises to real, compounding wealth. And because our reform eliminates crisis-driven bailouts, it prevents the explosive borrowing that would accompany a 2033 collapse—strengthening national finances rather than straining them.