Social Security will reduce benefits in about 2033. Pick the right Social Security benefit timing for you. Create budgets that guide your spending. Create an investment plan for 30 years. Create tax-FREE income from your IRA. Take advantage of the miracle of compounding: $100,000 becomes $600,000 in 15 years. We need to maximize our Social Security benefits. The average benefit is about $15,000-about HALF the average retiree's income of $31,000. This is less than the level needed for most families. Most economists say we need 80% of the the average household income of $51,000. We need to develop our own "lifestyle security." We need to create more income-preferably tax-FREE income-to avoid the tax increases needed to pay for 2 wars, 2 tax cuts and 2 Wall Street bailouts. Today you can make sure you are protected by creating an inflation-proof retirement Spending Plan. We need to enter the last 30 years of our lives knowing how we are going to manage them. We need a realistic and flexible plan. Two-thirds of pre-retirees don't have a clue how they will make it. Financial advisors only want wealthy clients. We are on our own.