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Image: Matthew Bennett on Unsplash
A 120 billion USD shortfall starting next year is significant. The forced donation of Americans' earnings via payroll tax and benefits tax will help to sustain payments. However, by 2035 "the Board of Trustees estimates that sweeping benefit cuts of up to 24% may be necessary to keep the Old-Age and Survivors Insurance (OASI) Trust solvent over the long term."
You will be shortchanged in 15 years from benefits you continue to have no choice but to pay into.
Low birth rates and income inequality take the blame for the current and future stress on the system (we'll exclude government mismanagement today). Wealthier people live longer thus draw from the benefits longer.