Social Security's viability should be of concern for any American who expects to live long enough to use it -- and let's hope that's all of us! At best, Social Security is a great supplement to existing retirement savings; at worst, it's all an older American has to live on. Unfortunately, the worker-per-retiree dynamics are trending in the wrong direction, and in the coming decades the surplus of funds in the system will be depleted. There are several "solutions" -- raising the retirement age, reducing benefits, raising taxes, privatization -- that have been bounced around during the campaigns, but neither administration's approach is clear. Still, it's hard to imagine Social Security changing fundamentally. The good thing: Even with fewer workers supporting more retirees, estimates say that we'd still be able to pay 80% of current benefits. That's not as good as 100%, but it sure beats zero.