Retirement
Social Security Trust Fund Could Run Dry by 2032 Without Congressional Action
via Fortune
The 2026 Social Security Trustees Report projects the retirement trust fund will exhaust its reserves in the fourth quarter of 2032. If Congress does not act, monthly benefits would automatically drop by roughly 22% for all recipients at that point.
Why it matters
Workers and retirees who expect Social Security income after 2032 should factor a potential benefit reduction into their retirement savings strategy now.


