The Solution
Replace Social Security with Personal Retirement Accounts—individually owned, fully funded, and inheritable—ending forced transfers while ensuring genuine retirement security through ownership.
As explained in The Problem, Social Security is structurally unsound. It is a pay-as-you-go system that cannot meet its long-term obligations, delivers poor returns, creates no ownership, and places increasing burdens on younger workers. These flaws are inherent to the system’s design and cannot be corrected through tax increases, benefit adjustments, or retirement-age changes. A different structure is required.
The solution is Personal Retirement Accounts (PRAs). PRAs are funded, individually owned retirement accounts that replace political obligations with real assets. Instead of relying on future workers to pay benefits, PRAs allow each worker to build retirement security through contributions credited to their own account and accumulated over time.
Personal Retirement Accounts create ownership. Contributions are credited to individual workers, grow with the economy, and ultimately support retirement through real savings and investment returns. PRAs are transparent, portable, and inheritable, restoring the direct connection between work, saving, and retirement outcomes.
PRAs also address Social Security’s solvency problem. Because benefits are tied to accumulated assets rather than ongoing tax transfers, the system does not depend on demographic ratios or perpetual funding from future generations. Over time, funded accounts replace pay-as-you-go obligations.
Current retirees and those near retirement remain fully protected, while younger workers transition to an ownership-based system.
Personal Retirement Accounts replace a failing transfer model with savings, ownership, and long-term retirement security. For a complete explanation of how the transition works, see The Plan.
CALL TO ACTION
America will only secure real retirement freedom if millions of citizens demand it. Sign up to help push Congress toward action—and make this change a national priority.
© Copyright 2025. PRAUSA. All Rights Reserved. Content may not be reproduced without permission.
The Solution
Replace Social Security with Personal Retirement Accounts—individually owned, fully funded, and inheritable—ending forced transfers while ensuring genuine retirement security through ownership.
As explained in The Problem, Social Security is structurally unsound. It is a pay-as-you-go system that cannot meet its long-term obligations, delivers poor returns, creates no ownership, and places increasing burdens on younger workers. These flaws are inherent to the system’s design and cannot be corrected through tax increases, benefit adjustments, or retirement-age changes. A different structure is required.
The solution is Personal Retirement Accounts (PRAs). PRAs are funded, individually owned retirement accounts that replace political obligations with real assets. Instead of relying on future workers to pay benefits, PRAs allow each worker to build retirement security through contributions credited to their own account and accumulated over time.
Personal Retirement Accounts create ownership. Contributions are credited to individual workers, grow with the economy, and ultimately support retirement through real savings and investment returns. PRAs are transparent, portable, and inheritable, restoring the direct connection between work, saving, and retirement outcomes.
PRAs also address Social Security’s solvency problem. Because benefits are tied to accumulated assets rather than ongoing tax transfers, the system does not depend on demographic ratios or perpetual funding from future generations. Over time, funded accounts replace pay-as-you-go obligations.
Current retirees and those near retirement remain fully protected, while younger workers transition to an ownership-based system.
Personal Retirement Accounts replace a failing transfer model with savings, ownership, and long-term retirement security. For a complete explanation of how the transition works, see The Plan.
CALL TO ACTION
America will only secure real retirement freedom if millions of citizens demand it. Sign up to help push Congress toward action—and make this change a national priority.
© Copyright 2025, PRAUSA. All Rights Reserved. Content may not be reproduced without permission.