Social Security's future is being threatened for today's younger workers. That's why financial advisors say the earlier you start saving, the better. The Social Security Administration predicts by 2018 social security will pay out more than it takes in and by 2042 the entire system itself could be exhausted. That would leave today's 30 something and under workers with virtually nothing if they don't have a back up plan. One retirement plan most companies offer is a 401-K, which matches what employees pay into their 401-K, a good starting point if you can afford it. Right now, 60 percent of today's Social Security beneficiaries derive more than half of their income from Social Security. In low income homes that percentage is 80.