I think that’s really the biggest concern we all have. Is it gonna be there for me? You hear what Musk and these other people say, and it really makes you wonder.”

The Social Security Administration recently made a slew of changes to reduce costs and improve customer service. President Trump has proposed exempting tips, overtime, and Social Security from federal income tax. Those changes to tax law could cause the Social Security Trust Fund to depleted sooner than anticipated.

A proposal to ban payments to people without a Social Security number is likely to impact beneficiaries who are retired, disabled, widowed, or low income. “Representative payees” who accept benefits on behalf of eligible beneficiaries don’t always have a Social Security number.