Because everyone who receives Social Security receives the same amount each month, there is no discrimination based on gender, race, 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 completely excluded from the system. Their Social Security taxes are passed on to groups of people with longer life expectancies (1). A group of people living longer than their expected life expectancy has upset the entire system. Having a private account where people can deposit as much as they want into an account that can be passed on to their spouse and children is more