Most who watched the second presidential debate at Washington University will likely agree there was more jabbing and political rhetoric than substance.
Advocates are hoping the third and final debate will turn out differently.
Nancy LeaMond with AARP says if our leaders don't act, future retirees could face an automatic benefit cut of nearly 25 percent every year, after 2034.
"This is a lifeline program for people over the age of 65. It's one of the top issues voters of all ages say the candidates should be addressing and we think it's important to have that discussion before people go to the polls."
She says about two-thirds of people over the age of 65 rely on Social Security for most or all of their income.
"We know, given that private-sector pensions have declined, people aren't saving quite as much as they used. Social Security will be even more important for future generations."
AARP says Social Security needs to be updated for the 21st century. If leaders don't act, the organization says future retirees could lose up to $10,000 a year.
AARP is pressing every candidate to take a stand - and lay out their plan to update Social Security so it's financially sound with adequate benefits.
LeaMond encourages everyone to go to "2016 Take a Stand.Org" to get a message to the moderators of the next debate on October 19.