10 Reasons You Could Get Less Social Security

10. Funding Runs Out

The Social Security trust fund could run out by 2035, according the Social Security Administration Office of Retirement and Disability Policy. Keeping Social Security solvent for the next 75 years would involve raising the Social Security payroll tax rate from 12.4 percent to 14.4 percent, cutting benefits by 13 percent, or enacting some combination of the two, according to the office’s website.

Should Social Security funding run out, there’s nothing you can do. But you can start saving for your retirement now, just in case.