What happens when Social Security runs out of money?

当社会保障金用完时会发生什么?

The Indicator from Planet Money

商务

2024-10-30

9 分钟
PDF

单集简介 ...

Social Security has thus far been self-sustaining—payroll taxes go into this big fund, which then pays out monthly checks. But the problem we have now is the money coming into that fund is not keeping up with the money going out. The election hasn't been great for people concerned about the government's finances. The Committee for a Responsible Federal Budget estimates that Donald Trump's election proposals will speed up the rundown in the Social Security fund by a few years. So, when Social Security runs out of money as it's projected to do ... could we just borrow more money? And if so, what would that mean for the already rising government's debt? Today on the show, how worried should we be about Social Security and the federal debt? We explain a fresh indicator to assess whether or not America's getting too far in the red. Related Episodes: What does the next era of Social Security look like?Iceberg ahead for Social Security For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy
更多

单集文稿 ...

  • NPR.

  • This election, how the US Government is going to pay for stuff is less clear than ever.

  • Donald Trump has proposed to eliminate taxes for everybody, from firefighters to people working overtime.

  • He's also proposing cutting taxes on Social Security benefits.

  • And the Committee for a Responsible Federal Budget last week released a report that has estimated that that policy, among others, would mean that the Social Security fund would run out of money in 2031.

  • That's a few years earlier than it would be otherwise.

  • Now, to be clear, when the Social Security fund runs out of money, it doesn't mean that no Social Security payments will go out to retirees and disabled people and survivors of deceased spouses.

  • But if nothing is done, it could mean lower payments.

  • To date, Social Security has been self sustaining.

  • And when it runs out of money, as it's projected to do, politicians might ask, could we just borrow more money?

  • If the government starts borrowing for Social Security, though, that would put pressure on already rising government debt.

  • That's right, the Committee for a Responsible Federal Budget separately estimated that both candidates policies would increase the wider federal debt Kamala Harris by around $4 trillion over 10 years and Donald Trump nearly double that.

  • This is the indicator for Planet Money.

  • I'm Adrian Ma.

  • And I'm Darian Woods.

  • Today on the show, given all these election goodies for voters, how worried should we be about Social Security and the federal debt?

  • Today we explain a fresh indicator to assess whether or not America's getting too far in the red.

  • This October, heal your existential dread with Short Wave.

  • We're going to talk about the science of why we die and come out the other side with answers to live better as we live longer.

  • Hear about the innovations when you subscribe now to Shortwave, the Science podcast from NPR.