Since all Social Security recipients receive the same amount each month, there is no discrimination based on gender, race, social class, etc. However, the current system is very mathematical and relies on statistics to generate the amount of money for each Social Security check. Groups of people with shorter life expectancies, such as African Americans and the poor, are almost entirely excluded from the system. Their social security contributions are transferred to groups of people with longer life expectancies (1). A group of people living longer than expected life expectancy has turned the entire system upside down. Having a private account where people can put as much money as they want into an account that can be given to a spouse and children is more