The general purpose of the study was to do an investigation on the role that the individuals and savings accounts play towards the Social Security Transformation. The research problem was how most of the Americans perceive the Social Security experience. Most of them see this as the long haul funding issue which should be looked into so as to come up with the solution. The design of this research will entail looking at both the individuals who are below the age of 35 years and those that have retired. It will also entail conducting some interviews from various individuals and stakeholders who are in relation to this issue. After conducting the research, it was found out that most of the youths are not sure about the Social Security Fund. This is because they do not believe that laborers can bear higher finance charges. The research also found out that scaling up of the individual accounts has a lot of advantages. It was also found out that individual account planning can vary in two ways namely; laborer's definitive retirement benefit hanging exclusively on the span of workers’ commitments and achievement of laborer's speculation strategy and within the individual record framework, benefits will be compensated out of huge collections for exclusive reserve funds. The research also found out some threats to the individual account namely; investment threat and deficit threat. Lastly, it was found out that the most applicable way for enhancing the wellbeing of the youthful employees and those employees that have retired is giving the support countrywide sparing in order to get more future salaries which can be shared amongst the employees.