Worries over the future of the Society Security trust fund may be overblown, Michael Kitces writes. For one, the trust fund is used only to cover the difference between Society Security expenses and tax revenue. Second, a reduction in benefits over the next two decades is likely to have only a small effect on many retirees. For individuals who rely on Social Security for only a portion of their retirement, the reduction will amount to roughly 6% of their retirement income.

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