O'REILLY: "Finally tonight, a New Year's resolution that you should hear. Social Security payments are going to have to change in the next few years, the government is out of a lot of money and needs to pay its obligations. That means that many of us will get less money from the government even though we paid into this Social Security fund for decades. Our expectations will not be met by the feds in the future. Here's the resolution. Starting today, save as much money as you possibly can. You have to do it methodically. Start off with putting 5% of your net income every month in the bank. I know you are not getting a lot of interest but just put it there. Then get it up to 10%. I know it's but if you will be much better off in the future. Protect yourself. Put money away. The Social Security thing is coming. That's it for us tonight."