What you posted is great. However I never suggested a fix because there really isn't any fix required. What I was originally commenting on was the often referred to surplus in the Trust Fund as though there was a "balance on hand" of cash at the Social Security Administration. The popular press and many people cite the Trust Fund keeping Social Security "solvent" until 2038-2040. Solvency is not the issue; source of funding is. The source of funding will be and has always been the "taxpayer". The so called Trust Fund has become a political argument.