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hi dr dali this is dr dahonda i have greatly benefited from the white coat investor and cant thank you enough for all that you do i have been hearing that social security will dry out in the next 12 years if in fact this actually happens how should one think differently about preparing for retirement does one increase the amount that they save or invest or something else thank you again and i look forward to hearing your thoughts okay lets uh lets break this into two parts first lets talk about what dry up means okay when you say dry up it makes it sound like theres going to be no social security whatsoever let me explain whats actually going to happen under current law and current projections under current projections in approximately 2033 or 2034 the social security trust fund is going to run out at that point if there are no changes to social security law they will only be able to pay out 77 of promised benefits okay now 77 is not the same as 100 but i would not use the term d