answer:One of the biggest misnomers of the SS debate today is that it is going to “run out” of money. The estimates that put SS as reaching insolvency in X years…. insolvency means reaching the point where it can no longer pay you $1 out for every $1 you put in. When we reach insolvency it will instead give you $0.99 for ever $1 you put in, and then gradually less as time goes on. The debate also seems to largely ignore that SS has been majorly reformed at least half a dozen times to avoid reaching insolvency, as the average life span in America has gone up and driven the # of people receiving SS up. Everytime they redesign it to last even longer, but of course no one model will work forever, it will just need to be reworked again some day.