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Why try to scare people by using words such as “insolvent”? The actual projections are that Social Security might be forced to lower payouts in the future, not stop them, if Congress doesn’t act. The history is that Congress has acted in every instance for the past 85 or so years so that benefits continue to be paid.
+1 And, if you are either already drawing SS benefits or about to, there’s no way Congress will reduce that population’s benefits since it is already too late to adjust your planning accordingly. And that age group votes at one of the highest levels of any. Instead, they should tweak: the retirement age (but very gradually); increase of eliminate the cap on how much of your earnings are subject to SS tax; and implement a means test.