Much has been said about in the media about the NSA monitoring everything from cell phone records to internet histories. But is there much truth to it? And if there is, is it protecting US citizens?
What is the NSA
First, why does the NSA exist? According to the NSA, “The National Security Agency/Central Security Service (NSA/CSS) leads the U.S. Government in cryptology that encompasses both Signals Intelligence (SIGINT) and Information Assurance (IA) products and services, and enables Computer Network Operations (CNO) in order to gain a decision advantage for the Nation and our allies under all circumstances.”  In other words, it encrypts US messages to be safe from spying, and it does whatever it can to gain advantage in for the protection of our nation. It is carefully worded, yet states that it will do whatever it needs to gain a security advantage.
How the NSA gathers data
That’s all great and dandy, but why does the NSA see the need to monitor on its own citizens?
In the weeks after 9/11, President Bush authorized the National Security Agency (NSA) to conduct a range of surveillance activities inside the United States, which had been barred by law and agency policy for decades. (eff.org) This started a snowball effect that still exists today. But how do they get our data? Everything we send and do is watched. Any communication passes over a fiber optic network. To intercept these, “the government installed devices known as “fiber-optic splitters” in many of the main telecommunication junction points in the United States (like the AT&T facility in San Francisco). These splitters make exact copies of the data passing through them: then, one stream is directed to the government, while the other stream is directed to the intended recipients.” 
So the telecommunication companies let the government monitor us. But how powerful and how much traffic do they actually listen to? This powerful tool then forwards it to a central location for analysis. This is probably what is being stored at the NSA data center in Utah.
One example of the data the NSA is able to obtain
Is it worth it
Has this monitoring of US citizens been worth it? According to some, even NSA deputy director John C Inglis, the answer is no. The NSA has previously claimed that 54 terrorist plots had been disrupted "over the lifetime" of the bulk phone records collection and the separate program collecting the internet habits and communications of people believed to be non-Americans. On Wednesday, Inglis said that at most one plot might have been disrupted by the bulk phone records collection alone. "There is an example that comes close to a 'but for' example," Inglis said. 
However, it didn’t say how serious a threat it stopped. Is stopping even one threat worth all the monitoring. I would argue yes, it stopped someone from being harmed. But on the other hand, I see why its so concerning to people. Can what we say in private affect us later, no matter how innocent? Time will only tell.
As someone who loves privacy and will never commit an act of terrorism or harm another living thing, I don’t see why I need to be monitored. Can’t some filter be used to identify risky subjects at least instead of everyone?
How to prevent the NSA from listening in on you
If privacy is of the utmost concern to an individual there isn’t much you can do to prevent monitoring by the NSA. Many people are advocates for using VPN’s, or Virtual Private Networks to browse the Internet. This is your best option at keeping your communications private but it can only go so far.
VPNs and Tor will protect you from someone monitoring your traffic, but not someone monitoring the service you're using, which is the issue here. Encrypting your way to Google is great if someone's watching your communications to and from Google, but if someone's sitting at Google watching what you're doing, you're boned. 
If someone desires to learn more about the NSA, unfortunately there aren’t many legal sources. Much has been leaked from Edward Snowden and his documents, but there is much we do not know. Like just how much info is being monitored. Thus, the NSA spying is a touchy subject. They clearly will stop at nothing to gain information and possibly prevent an act of terrorism. Is it worth the amount we are spending on it? And just how much are we spending. No one really knows.  And does our privacy matter? Is the 4th amendment still valid? One can hope for a better world where we don’t need the NSA, but that simply won’t happen. Perhaps knowing that the NSA might be monitoring keeps people from committing a terrible act in the first place. Time will only tell if the great lengths the government has gone to are effective and override our right to privacy.
US senators rail against intelligence disclosures over NSA practices
(31 July 2013). Retrieved February 18th, 2014 from The Gudardian: http://www.theguardian.com/world/2013/jul/31/us-senate-intelligence-officials-nsa/
 What the NSA Spying Scandal Means To You (June 7th, 2013). Retrieved February 18th from LifeHacker: http://lifehacker.com/what-the-nsa-spying-scandal-means-to-you-511808090/
 How the NSA's Domestic Spying Program Works (June 2013). Retrieved February 18th, 2014 from Electronic Frontier Foundation: https://www.eff.org/nsa-spying/how-it-works/
 How Much Money Do We Pay the NSA to Spy on Us? (June 7, 2013). Retrieved February 18th, 2014 from Yahoo: http://news.yahoo.com/much-money-pay-nsa-spy-us-223659790.html