First, the no-brainers, Sleep 101 if you will: exercise more, drink less alcohol and make your room as dark and as quiet as possible.

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With this approach, because standard, long term, market investment returns are so much higher than the implicit returns paid by completely noninvested, pay-as-you-go Social Security, all workers who exercise the personal accounts would receive more in benefits through the personal accounts earning standard long term returns than the Social Security benefits they replace.

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In addition, most people don't realize that you are burning fewer calories during exercise as well because you have less weight to carry, and you are also probably much more fit if you have been exercising all along.

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