The Social Security trust fund is projected to run out of money by 2032. Without legislative reforms, retirement benefits for tens of millions of Americans could face significant cuts. As lawmakers debate how to preserve the program, most proposals focus on raising payroll tax revenue or making other budgetary adjustments. But these discussions miss a larger point: The program itself is increasingly ill-suited for younger generations. Rather than forcing Americans into a system that may not deliver on its promises, policymakers should allow young workers to opt out and prepare for retirement in their own way.