美国人可能会看到他们的财务状况在他们的黄金岁月里发生根本性的转变，这取决于美国总统大选的获胜者即将到来的总统选举根据无党派的负责任联邦预算委员会周一发布的一份分析报告。
前总统唐纳德·特朗普的经济议程中提出的社会保障愿景将导致该计划六年后破产，分析称。
特朗普的计划包括征收全面关税和降低公司税率，以及结束小费税。
他的计划还表示，他将取消社会保障工资税。这些税收是美国人在社会保障上赚钱时征收的，是未来资助该项目的重要收入来源。它可能会在不久的将来减轻一些老年人的负担，但会危及该计划的偿付能力。
分析称，如果找不到其他资金来源，老年人的福利将在2035年减少33%。
相比之下，该委员会指出，副总统卡玛拉·哈里斯的计划不会对信托基金的偿付能力产生大的影响——根据她的计划，信托基金将在九年内耗尽资金。
根据该委员会的说法，这将导致一个典型的美国家庭在2033年每年损失16，5000美元的福利。
解决这一缺口需要重要的立法，但希望增加储蓄的人有多种选择。他们应该了解公司对401K退休计划的匹配政策，或者支持他们自己的储蓄计划。
许多人也把钱存在储蓄账户里，但他们并没有获得可观的利息。他们可以选择一种能给他们带来长期回报的投资方式，无论是高收益的储蓄账户还是股票和债券的投资组合。
自从负责任的联邦预算委员会的分析出来后，哈里斯已经将特朗普领导下的破产危险变成了竞选活动中的一系列攻击。然而，尽管两位候选人都说他们想要保护社会保障，但它还是受到了威胁。
目前还不清楚他们两人如何在不增税的情况下解决破产问题，但他们不太可能想在大选前的最后两周提出这种可能性。
Will Social Security be solvent under Trump or Harris?
Americans could see their financial situation shift radically in their golden years depending on the winner of theupcoming presidential election, according to an analysis released by the nonpartisan Committee for a Responsible Federal Budget on Monday.
The vision for Social Security presented in former President Donald Trump's economic agenda would cause the program togo bankrupt in six years, the analysis said.
Trump's plan includes imposing sweeping tariffs and lowering the corporate tax rate, along with ending taxes on tips.
His plan also says he'll eliminate tax on Social Security wages. Those taxes, which are collected when Americans earn money on Social Security, are a critical revenue stream to fund the program in the future. It may give some seniors relief in the immediate future, but would risk the program's solvency.
If no other funding source is found, seniors would see a 33% benefit cut in 2035, the analysis said.
By contrast, the committee noted that Vice President Kamala Harris' plans would not have a large effect on the trust fund's solvency -- it would run out of money in nine years under her agenda.
This would see a typical American household lose $16,5000 in annual benefits in 2033, according to the committee.
Significant legislation is required to address this shortfall, but people looking to augment their savings have multiple options. They should be aware of company matching policies on 401K retirement plans or bolster their own saving plans.
Many people also have money sitting in savings accounts, but they aren't earning significant interest. They can invest in a way that will give them long-term returns, whether it's a high-yield savings account or a portfolio with stocks and bonds.
Since the Committee for a Responsible Federal Budget's analysis came out, Harris has turned the danger of insolvency under Trump into a line of attack on the campaign trail. However, it's under threat regardless -- despite both of the candidates saying they want to protect Social Security.
It's unclear how either of them can address the insolvency issue without raising taxes, but it's unlikely they will want to bring up that possibility in the final two weeks before the election.
