Author Bio Kailey has been writing about personal finance since 2013. She does her best to keep it interesting and jumps at any opportunity to learn something new. It's a scary story told to frighten the younger members of the workforce: Social Security is running out of money and will soon be a thing of the past, leaving you to fund retirement entirely on your own. Cue the horror movie soundtrack. Fortunately, it isn't true, although the program's future is far from rosy. Below, I'll break down why people think Social Security's about to bite the dust and what its real future means for your retirement.