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Social Security Trust Fund Set to Deplete in 2032

8/28/2026

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Story summary
  • The United States Social Security system will deplete its trust fund in 2032, triggering a 22% cut unless Congress acts.
  • Retirees this decade will receive roughly 265% of their personal Social Security contributions.
  • A median-wage retiree in 2027 expects $730,000 benefits versus under $200,000 paid in taxes.
  • After 2032 depletion, payroll taxes will fund only about 78% of benefits.