“Seniors in 48 states do not have enough income in retirement to replace 70% of their pre-retirement earnings, based on median income, according to an analysis by Interest.com. Seniors have a median household income of $35,107, and only those in Nevada and Hawaii had the income level that hit the recommended pre-retirement income-replacement rate that financial planners recommend.” Take away message: start saving while you are young. Not that Hawaii seniors are doing well due to the strong union presence in the workforce. Neveda only looks good because younger workers in that state earn such low wages so seniors look good in comparison. Details at: http://money.cnn.com/2013/06/10/retirement/retirement-income/index.html Now is NOT the time to cut Social Security benefits; it's time for minor adjustments to strengthen the system.