This was a very good question. How do you know, generally, what the terms are of a conversation with a stranger? I realised that there is a sort of unwritten code you learn as you get older, which enables you to assess whether a conversation is a good idea or not. I thought about the woman who had approached me earlier. How did she know it was OK to talk to me? In the end, I replied to my son: “You don’t always know if it’s OK. Sometimes you have to take the risk and find out.”
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The multifaceted nature of Social Security is why she’s optimistic about saving it, she added. First, there is the range of options within the rules. Shedden cited the Social Security at 90 report, which already mapped out many viable legislative solutions in January 2025. A joint study by the AARP, the National Academy of Social Insurance, the National Institute on Retirement Security, and the U.S. Chamber of Commerce, it recommended adjusting the maximum taxable earnings cap, which historically covered 90% of Americans’ income, but now only covers about 80% because of concentrated wealth among the top 6% to 10%. Options include applying payroll taxes to earnings over $400,000 or eliminating the cap entirely, as is done with Medicare. Another option is incrementally raising the worker payroll tax from 6.2% to 7.2%. Surprisingly, raising the full retirement age—which Shedden emphasizes is actually a benefit cut—is not a highly supported policy change.