Today we should offer those who would delay receiving social security larger monthly payments depending on what age they decide they would need them past 65 years old. We should also allow those with higher incomes to invest a larger portion of their monies tax deductible for retirement in return for receiving a nominal portion of their social security benefits upon retirement. This way we could leave more money in the system for those who have already retired and at the same time allow the system to have additional monies for the future.