" The Board of Trustees of Social Security tells us that the program is going to completely run out of money within the next 15 years. " Is very misleading. Social Security is not a bank account, it is an insurance (you can get it at any time, and you get it simply because you paid in) where people are constantly paying in and out.

In 17 years* the Social Security system will probably have to cut benefits by 23% unless we either raise the retirement rate or raise the maximum salary at which you have to pay social security tax. The latter is a pretty painless thing to the average tax payer, who already has all their salary subject to social security tax.

The social security system was in much greater danger in the Reagan era, when they decided to make benefits taxable, which was ultimately a progressive way to reduce benefits.

*http://money.cnn.com/2017/07/13/news/economy/social-security...