I did some research just the other day...wondering why is ss insolvent...when we and our employers pay that regularly. We paid into it so where is it? Well...the income cap has a shit ton to do with it. You only pay ss tax on the first 168,000 you earn...after that it is SSI tax free. Wage disparity has increased at least 10 fold in the last 50 years... And those people at the top aren't putting money in... If we made the income cap higher, we would be fine! Why do we give tax breaks to rich?