Investors rethink 'hands off' investing and decide to start making real moneyA third of Americans will learn the hard way about Social Security. That’s according to finance guru, Dave Ramsey, who warns that Social Security alone is insufficient, and instead recommends maxing out 401(k) and IRA savings. But if your goal is to make Social Security your key source of income, you really are setting yourself up for disaster. That also means that when more people go to retire, they’ll be met with limited resources from Social Security. Also, if your employer offers a match program, contribute enough to receive the highest employer match possible.