To save Social Security: 1) Eliminate the cap. Pay SSI based on entire income. 2) Create a limit above which Social Security checks are not sent out. For example, individuals over 65 whose annual income exceeds a certain amount -- say, $150,000 (needs to be adjustable for inflation) -- do not draw their SS checks unless their income dips below the cutoff. Their money will be there for them when they actually need it. That should do it!