Social Security is projected to face a funding shortfall in 2034, leading many Americans to wonder if it will still be there when they retire. While the system won’t go bankrupt, benefits could be reduced by about 20% unless Congress acts. Our analysis at Greenbush Financial Group explores what 2034 really means, why lawmakers are likely to intervene, and how to plan your retirement with Social Security uncertainty in mind.

Social Security benefits can be taxable at the federal level—and in some states. Should you withhold taxes directly from your benefit or make quarterly estimated payments? This guide explains your options, deadlines, and strategies to avoid IRS penalties.