Kiplinger

As a 30- or 40-Something, Can You Count on Social Security?

Chatter about how close the trusts that fund the Social Security program are to running out of money -- and whether lawmakers will step in and adjust the rules around benefits and taxes to ensure those trusts maintain their balances -- is nothing new.

Worries about Social Security running out of money date back to the early 1980s (and if you dig into enough news archives, you may be able to find headlines that predate even that). Each and every time the SSA has come to the brink of running out of money, the government implemented changes to avoid that outcome.

Still, it makes sense to feel concerned about whether you will receive -- especially if you're only in your 30s or 40s right now. As

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