Social Security
A Contrasting View on Insolvency…Perhaps It’s Not as Dire as Many Believe?
Since the release of the 2025 Social Security Trustees Report last week, media accounts of the 2033 depletion of the program’s Old Age and Survivors Insurance (OASI) cash reserves have focused on the consequences: the 23% across-the-board benefit reduction that…
As Insolvency Moves Closer, Alternatives are Surfacing

As nearly everyone following Social Security’s financial plight is aware, the 2025 Social Security Trustees Report highlighted the loss of three calendar quarters in the time buffer between now and full depletion of the program’s trust fund reserves. The Old…
Ask Rusty – When Will Funds Stolen from Social Security be Replaced?
Dear Rusty: When will the funds stolen from the SS Fund be replaced? They used Social Security when the government ran out of money and used it for illegals. I think the funds should be replaced except for legitimate payments…
Reforming Social Security: Privitization Keeps Coming Up as an Option
In the wake of the 2025 Social Security Trustees Report, many eyes are, at least temporarily, focused on the program’s rapidly eroding financial situation. One of the items that quickly surfaces in media outlets is the theory of privatization as…
The Trustees Have Spoken…Let’s Look at the Numbers

As noted last week on this site, the Social Security Board of Trustees has published its report on the program’s 2024 operations. As expected, the bottom line highlights further deterioration in Social Security’s reserve funding status, with the forecasted depletion…
Nuances of Social Security’s Benefit Computation Process
The mathematical rules associated with determining initial monthly Social Security benefits are often subject to informal discussion, with many “experts” weighing in on how it really works. Some say it’s based on the most recent five years of work, some…
2025 Social Security Trustees Report – SSA Press Release
A Look Back at Bush’s Proposal to Keep Social Security Solvent

In 2004 President George W Bush proposed a partial privatization and sweeping overhaul of Social Security. Evan Simonoff for FA Financial Advisor takes a look back to see if that proposal would have helped the situation Social Security is in…
Perspective on Social Security Trustees Report
Martha Shedden, President of RSSA, an organization that educates and certifies Social Security advisors says Social Security reserves are being affected by increased health care costs and the legislation called the Social Security Fairness Act. EINPresswire.com reports here… As an…
Considering Privatization of Social Security
The privatization of Social Security is a controversial policy idea that involves shifting part or all of the U.S. Social Security system from a government-managed program to one where individuals manage their own retirement savings through private investment accounts. Dana…