Ask Terry Questions Social Security Insolvency

Social Security Insolvency

By Terry Savage on June 29, 2026 | Social Security

Everyone talks about the “only” ways to avoid running out of money in the SS fund. But there is one way to increase the balance in the fund that I never see suggested- to invest the money in something that makes more money than government bonds. If we could increase our rate of return by just a couple percent, our problems wouldn’t be so bad. Yes, the money is not guaranteed but there is much higher reward with the additional risk.

Terry Says

The whole idea of SS was to minimize risk! But notably some countries have tried this. And there is one substantial proposal to do just that here in America.
Read this: https://larrykotlikoff.substack.com/p/the-personal-security-system-fundamental

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