Social Security’s financial problems are moving from a distant concern to something millions of Americans may have to plan around. The program’s retirement trust fund is now projected to run out of reserves in 2032, potentially forcing benefit reductions that could eventually cost the average retiree nearly $600 a month in today’s dollars. That does not mean Social Security disappears in six years. Payroll taxes would continue coming in and benefits would continue being paid. The problem is that those revenues would no longer be enough to cover 100% of the benefits currently scheduled. The 2032 Deadline Is Getting Harder...