Lets say you invest lets say 10,000/yr into mutual funds, IRA's, etc., instead of social security.

Over 20 years that money will have grown dramatically! And years and years after that it will have grown even more. It is the smartest way to save up for retirement. The problem is a lot of people don't know about investing or just spend there income...Privatizing part of there income into these investments and giving them control of there money upon retirement is the way the system should be.