1. What is Social Security? 2. How does Social Security work? 3. So what is the problem? 4. So there are fewer workers to pay for current retirees. What does this mean for the system? 5. Won?t the trust fund help pay benefits and put off the need for tax increases or benefit cuts? 6. Is there more to the problem? 7. So what can we do to fix Social Security for the future? 8. How would protected accounts work? 9. But how would Protected Retirement Accounts help Social Security? 10. If some people choose a protected individual account won?t that decrease my grandparents Social Security benefit? 11. Every year I get a 'Social Security Statement'. Doesn?t that mean we already have protected accounts? 12. If the government can raid the Social Security trust fund, can?t they take away my account, too? 13. I know I could handle my own investments, but what about people who?ve never invested before? 14. You make it sound too good to be true. 15. Right now, Congress spends the surplus Social Security taxes. If instead that money goes into an individual retirement account, what will the government do to make up the shortfall?