"Stay the course" John Bogle, founder, Vanguard Group Create budgets that guide your spending. Create an investment plan for 30 years. Create tax-FREE income from your IRA. Self-insure and self-fund your financial needs. Take advantage of the miracle of compounding. $100,000 becomes $600,000 in 15 years. Social Security will exhaust its funds in about 2037, according to 2010 projections.