For decades, Social Security has been a bedrock of retirement security for millions of Americans. However, the latest report from the program's trustees serves as a sobering wake-up call and without action, the financial foundation underpinning this safety net is at risk of crumbling. While we wait for Congress to act, there are things that each of us can do personally to reinforce our futures and Michelle Singletary from the Washington Post gives advice on how to do so.