Here is why personal accounts are a better deal. Your money will grow, over time, at a greater rate than anything the current system can deliver--and your account will provide money for retirement over and above the check you will receive from Social Security. In addition, you'll be able to pass along the money that accumulates in your personal account, if you wish, to your children or grandchildren. And best of all, the money in the account is yours, and the government can never take it away.