You've 100% missed the problem Lyn (sorry).

If the funds contributed to Social Security had been PROPERLY managed and invested, the system would work. It's simply actuarial math...and yes it should be adjusted periodically (again if it had been properly managed) but that's just part of the process. Any well-managed insurance plan does this every day.

Government is the problem, and government mismanagement is why Social Security is in trouble.

(Think of it this way - what if the Social Security funds were invested the same way Nancy Pelosi invested her own money...)