Social Security’s not broke—yet. It’s funded by payroll taxes from workers and employers, so as long as people keep working, checks keep flowing. But long-term fixes are needed, and Congress is stuck between tough choices: hike taxes, push back retirement age, or means-test benefits. Each option has trade-offs—higher taxes hurt hiring, delaying retirement hits those who can’t work long, and means-testing undermines the earned-benefit principle. No easy fix, but the system’s survival hinges on tough political decisions.
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