Social Security's model assumes more people are paying than receiving, but that's no longer true

Social Security trust funds are expected to be unable to pay full benefits by 2035

Most US workers have 6.2% of their gross paycheck taken out for Social Security. The government requires employers to match that 6.2% as well, for a total of 12.4%. This video dives into the specifics of how Social Security functions from a financial perspective.

A rising number of Social Security beneficiaries are taxed on their Social Security income

That’s because while Social Security benefits increase with wages and inflation, the income limits for taxing those benefits stay the same and don’t adjust over time.

Roughly 68.5 million Americans were enrolled in Social Security benefits in December 2024

That amounted to nearly 90% of people ages 65 and older. The federal government spent $1.5T on Social Security in fiscal year 2024 (nearly a quarter of the total federal budget). This article details how these figures contribute to the perception that Social Security is “running out.”

Does Social Security contribute to the national debt?

Social Security operates through a trust fund built from payroll taxes. When costs outpace revenue, as they have since 2021, the program redeems Treasury bonds to cover the gap. To repay these bonds, the government often borrows more money, indirectly adding to the national debt and impacting fiscal policy.

Social Security supports retirees, the disabled, and survivors

The Social Security Administration is responsible for more than just retirement benefits. Outside of the more well-known use case of retirement benefits, the SSA is also responsible for disability, family, and survivor benefits, supplemental security income, and more.

Debunk common myths about Social Security

Myths include the pervasive ideas that undocumented immigrants drain Social Security, members of Congress don't pay into Social Security, the program itself is “going broke,” and more.

The 2025 Social Security Trustees Reports reaffirmed that beneficiaries will be paid 100% of total scheduled benefits until 2033

Specifically, it noted that the Old-Age and Survivors Insurance Trust Fund will be able to pay 100 percent of total scheduled benefits until 2033, which was unchanged from the previous year’s report.

Researchers, experts, and retirees are finding that the 401(k) has left much to be desired

Baby Boomers, once the biggest generation, are now creating the largest wave of retirees in US history. Much of this generation is also the first to retire predominantly on the expectation that their 401(k) plans or similar tax-advantaged accounts performed well in the markets—which isn’t always the case.

Some politicians have argued that Social Security should be privatized

Specifically, some assert that diverting funds into self-directed retirement accounts should replace Social Security taxes and benefits to some extent in a privatized retirement savings system. This article details the pros and cons of privatizing Social Security.

Workers need 40 ‘credits’ to qualify for Social Security retirement benefits

Forty credits are equal to about 10 years of full-time work. If someone has never worked, they won’t be eligible for benefits on their own, but they could qualify via a spouse, ex-spouse, or dependent.

Estimate your Social Security benefits

To calculate your Social Security benefit, the government uses information such as your birthday, current earnings, future retirement date, and more. Calculate an estimation for your future Social Security monthly benefit here.

3 types of people who should claim Social Security at 62

Popular wisdom suggests people should wait as long as possible to claim their Social Security benefits. This article argues there are three types of people who would benefit from claiming sooner rather than later—such as people with short life expectancies. To see the other two groups of people who might want to claim as soon as possible, read the article here.

Consumers reported losing more than $126M to Social Security scams in 2023

This article includes tips on how to spot a Social Security scam, including information about what the real Social Security Administration will and will not do. For instance, the Social Security Administration will never threaten someone with benefits suspension or bank account seizure if they do not comply with a request.

The 1935 Social Security Act drew inspiration from European social insurance models

Many of these, such as German Chancellor Otto von Bismarck's 1889 retirement system, emerged decades before America adopted them. This article dives into the modern history of economic security and the key legislation that created Social Security.

A venture capitalist argues that baby boomers raised the national debt

In his book "A Generation of Sociopaths," venture capitalist Bruce Cannon Gibney places blame for the nation’s rising debt squarely in the hands of baby boomers—those born between 1946 and 1964. They’ve failed to address long-term issues, focusing only on present consumption to the detriment of future generations, he says.

Who has retirement accounts?

Though every worker wants to retire, only some have retirement accounts. Data from the Census Bureau shows those who currently own such accounts are disproportionately white and Asian men in the Baby Boomer generation, suggesting access to these crucial retirement plans is not equal. Dive into the numbers and get a sense of who has retirement accounts here.

Individuals typically spend less time with others as they get older

At younger ages, we spend much of our time with parents, siblings, and friends. Eventually, our lifestyle changes to include work, a spouse, and children of our own. In later life, children often move out, and spouses unfortunately pass away, leading to more time spent alone.

New Yorker John D. Sweeney Jr. was the first to receive a Social Security number

However, Sweeney died in 1974 having never received any benefits. Social Security numbers were first created to help track workers' earnings so Social Security benefits could be correctly administered.

25% of US households had no regular income as of 2024

Some states had higher shares of no-income households than others: West Virginia, for instance, had a national high of 34% of households with no income. These states tend to have older populations, higher rates of disability, and lower median incomes overall. In such contexts, a larger portion of households rely on non-earned income sources or report no income during the survey period.

Why younger workers began talking about their salaries

While some Gen Zers and millennials are becoming increasingly comfortable with talking about their salaries or hourly wages with one another, older generations often have a tough time understanding why. This article explains why the culture around talking about money has changed slightly over the last few years. Read it here.

Why South Korean women are having fewer babies

For decades, Asian countries have been combating dwindling birth rates by basically bribing families into having more children: offering government-subsidized housing, free IVF treatments, and even straight-up cash handouts. It hasn’t worked. In this BBC video, a TV producer, a cartoonist, and a private-school teacher explain their views on having children in 21st-century Korea.

Calculate how much of your tax dollars go to each federal program based on your income, filing status, and number of children

When a pension holder dies, payments are sometimes passed on to a relative

Those relatives are often the pension holder’s surviving spouses or dependents. This article offers tips from a financial expert on how to make sure your spouse is taken care of during retirement, including navigating a pension’s ultimate destination.

A podcast on America’s coming demographic crisis

This podcast explores how America’s coming demographic crisis is bad for employers. According to Bloomberg, businesses still need humans to make the economy work. However, too few workers in the US are actually working, and too few people are...

The number of people collecting money from gig work tripled between 2017 and 2021

That includes people driving for Lyft or delivering food through GrubHub. Those people might be changing the face of the US economy at large, too. Gig work provides a cushion between jobs outside of government unemployment assistance, for example.

See how populations across the world could change in the 21st century

This tool lets you model the populations of individual countries by adjusting key demographic inputs. See how changes in birth rates, mortality, and migration affect the size and structure of future populations.

US housing costs have risen by roughly 175% between 1991 and 2026—but a growing number of Gen Zers are becoming homeowners anyway. In 2025, 4% of homebuyers were Gen Z, up from 3% the year before.

US consumers collectively owe more than $1T to credit card companies—almost as much as they owe in auto loans.

About 2,000 US babies are born annually without some portion of their limbs, potentially leading to a lifetime of pricey prosthetics.

Up to a million Girl Scouts sell about 200 million cookie boxes every spring, generating $800 million, largely because refusing a child is frowned upon

While the sun's gravity keeps the planets in orbit, their gravity also pulls on the sun, causing it and everything else in the solar system to orbit around a mutual balance point called the barycenter—the true center of the solar system.

SpaceX's S-1 or 'prospectus' revealed many previously unknown details about the company, including its unprofitability despite doing $18.7B in revenue in 2025, exactly how many voting shares Elon Musk will have in the company (roughly 85%), and more.

Dozens of S&P 500 stocks, including Coca-Cola and Walmart—known as the dividend aristocrats—have increased dividends every year for 25 years

Indefinite cloning of some endangered species may not sustain their longevity because cloning success rates decrease as genetic mutations accumulate.

Alzheimer's can lead to brain shrinkage, with an average of around 2% of volume reduction per year

Despite being favored by 87% of Americans, Congress does not have term limits.

Hedge funds, the private investment firms that trade a wide swath of financial assets, make money by imposing steep fees on investors and from the fund's investment performance.

Some renewable energy sources may weaken the resiliency of electric grids by removing outage buffers provided by coal- and natural gas-fired plants, which provide the system with more time to find a new power source if a plant goes down.

Play the role of a student in a game where you try to navigate college and remain debt-free, selecting different income levels, high school experience, race, ethnicity, and more.

Some coin denominations have ridges etched on their sides, partly to prevent counterfeiting, in a practice called 'reeding.'

SpongeBob exemplifies Aristotle's philosophy for living well because he understands that happiness doesn't come from external factors like money, recognition, or power.

In 2026, Finland was named the world's happiest country for the ninth consecutive year based on its wealth, social safety network, and high life expectancy, among other factors.

The hormonal disorder PCOS was renamed PMOS in 2026, a move designed to improve care and research by shifting the focus to the hormonal causes of this condition that affects 1 in 8 women.

Scientists have struggled to pin down Ebola's natural reservoir species for decades, but the available evidence suggests that it's very likely fruit and insect-eating bats found in Africa.

'Silent' fireworks have gained more interest in recent years as a quieter celebratory option.

Brian Wilson wrote the Beach Boys' 'Don't Worry Baby' for the Ronettes, but the legendary girl group rejected it.

This site reaches millions of visitors who are tired of AI chatbots and seeking human connection. Pretend to be an AI chatbot and ask questions, provide answers, and draw for people in real time.

Comedy legend Catherine O'Hara, star of 'Schitt's Creek' and 'Home Alone,' quit 'Saturday Night Live' after just one week to return to her old job.

Volcanoes 'die' when their supply of magma runs out, if they are shifted away from their underlying magma reservoir, or if they get clogged by collapsing or their magma cooling back into rock.

To reduce wrinkles in clothing, research recommends gentle wash cycles with more water and tumble drying with smaller loads and longer times.