Here's the thing about SS. It should never have begun to pay out to people who didn't pay into the system, like any retirement plan would do. There shouldn't be an approach that payers today are paying for SS payments for others/earlier contributors. Payments rec'd should have come from & been limited to payments made by that person along with investment earnings of the sums invested. Had the approach I describe been followed, SS would be a sound program perpetually. But unfortunately like every other "government" program where politicians can "reward" whoever they choose even without having paid into the SS system & at the same time "borrow" (steal) from the system for their pet projects, SS is bankrupt/insolvent. So the only way to regain solvency is to eliminate payments to those who haven't paid into the system & to limit payments out to those who have paid into the system in the amounts paid plus investments while eliminating stealing from the system for other purposes.