Apparently one in ten young Americans believe Social Security and Medicare will not be available when they retire. It's true that every decade that passes where these two programs are unfunded, adds a 2 Trillion Dollar deficit, but that does not mean that these programs will not be there down the road. So there is a problem. This article shows how Social Security can be fixed without raising a penny. Hopefully this author is right that these programs should be safe. Either way, IREA is here to help connect you to educated specialists to address your personal concerns and questions.