Is Social Security really running out of money?

If you depend on Social Security, recent headlines warning that the program is “running out of money” can sound pretty alarming. The situation is serious, but that phrase doesn’t tell the whole story. The latest annual report from Social Security’s trustees projects that the trust fund used to pay retirement and survivor benefits will have enough reserves to pay full scheduled benefits until the fourth quarter of 2032. If Congress makes no changes before then, continuing income would be...

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