Social Security cuts are coming - Use Boldin to stress-test your retirement plan

Описание: Social Security cuts are coming - Use Boldin to stress-test your retirement plan

Video Overview

With the release of the 2026 Trustees Report, discussions around the future of Social Security have taken center stage. If Congress takes no action, the Old-Age and Survivors Insurance trust fund is projected to run dry by 2032, resulting in an across-the-board benefit cut of approximately 22%. While lawmakers weigh potential fixes—such as adjusting the OASDI tax, modifying retirement ages, or changing benefit formulas—this video demonstrates how you can take control of your financial security today by stress-testing your retirement plan.

What You'll Learn

The 2026 Trustees Report Breakdown: An overview of what the report means for the future of Social Security and why a 22% benefit cut is projected for 2032 if nothing changes.
Legislative Options: A look at the primary ways Washington could address the shortfall, from increasing revenue to adjusting benefits.
Manual Stress Testing: Step-by-step instructions on how to use Boldin's sandbox feature to model a 22% benefit cut starting in 2032.
AI-Assisted Modeling: How to leverage Boldin's new AI features to automatically apply and test the scenario using simple prompts.
Interpreting Your Results: How to evaluate your new chance of success, analyze lifetime cash flow charts, and review tax and RMD impacts to build a solid "Plan B". Resources

Mentioned: Andy Panko's Retirement Planning Education Podcast: https://retirementplanningeducation.c...

Chapter Timestamps

0:00 — Introduction & The Social Security Crisis: Overview of the 2026 Trustees Report and the projected 2032 trust fund depletion.

2:14 — Proposed Congressional Fixes (Revenue & Cost): Examining potential solutions like raising payroll taxes, lifting wage caps, pushing out retirement ages, and altering cost-of-living adjustments (COLAs).

6:18 — Why You Need a Stress Test: Taking control of your future by modeling potential benefit reductions instead of waiting on Washington.

7:03 — How to Stress Test in Boldin (Manual Method): Step-by-step guide on creating a sandbox scenario, turning on the benefit reduction switch, and configuring the 22% cut for 2032.

8:36 — Using Boldin AI: How to prompt Boldin's AI assistant to automatically apply, analyze, or undo your Social Security stress test.

9:57 — Interpreting Your Stress Test Results: Evaluating your updated chance of success, Monte Carlo simulations, lifetime cash flow, tax impacts, and RMD changes.

12:22 — Conclusion: Final thoughts on building a Plan B to ensure retirement resilience.