Look for the Government to do something called a GRI. (Guaranteed Retirement Income). They will combine 401k's, pensions and Social Security (apply means testing to each individual). then give you one lump payment. Hugo Chavez has sounded the alarm. The race for physical gold and silver is on. The western economy's debt based system is struggling to remain the global economic structure. The emerging markets including the BRIC, the Middle East, and Asia Pacific (East) are soundly backed by natural resources such as oil, natural gas, and are creditors of the western's paper game. Gold and silver are money and nothing else.