Social Security is on shaky ground—its trust fund could run dry by 2032, risking up to 22% benefit cuts unless Congress acts. With fewer workers funding more retirees, fixes like raising taxes, eliminating the earnings cap, or increasing the retirement age are being debated—but all face political hurdles. Experts say lawmakers will likely try to avoid deep cuts, but no perfect solution exists. Meanwhile, it’s wise to build your own retirement safety net through savings and employer matches, since relying solely on Social Security isn’t a safe bet.
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