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Social Security has been in the headlines, and for good reason. Estimates show the Social Security Trust Fund may be depleted by 2032–2034 if no changes are made, raising alarm bells for retirees and pre-retirees alike. In this episode, Jake and Nick explain what’s at risk, what parts of the system will keep running, and what Congress can do to keep the system going.

They also discuss the real factors that should drive your decision on when to claim Social Security. Plus, they share how raising the full retirement age and increasing FICA taxes could reshape the program’s future. The system likely isn’t going away, but that doesn’t mean you should ignore the warning signs. Wondering what to do next? This episode will help you build a smarter plan when it comes to Social Security and feel more confident about your financial future.

Here’s what we discuss in this episode:

📉 What “running out” of money really means

🧾 The 75/25 split: where your benefit comes from

📆 Why 2032–2034 is a pivotal timeline

📊 Options Congress has to shore up the system

👫 How your spouse or legacy should affect your timing

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