The multifaceted nature of Social Security is why she’s optimistic about saving it, she added. First, there is the range of options within the rules. Shedden cited the Social Security at 90 report, which already mapped out many viable legislative solutions in January 2025. A joint study by the AARP, the National Academy of Social Insurance, the National Institute on Retirement Security, and the U.S. Chamber of Commerce, it recommended adjusting the maximum taxable earnings cap, which historically covered 90% of Americans’ income, but now only covers about 80% because of concentrated wealth among the top 6% to 10%. Options include applying payroll taxes to earnings over $400,000 or eliminating the cap entirely, as is done with Medicare. Another option is incrementally raising the worker payroll tax from 6.2% to 7.2%. Surprisingly, raising the full retirement age—which Shedden emphasizes is actually a benefit cut—is not a highly supported policy change.
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The cabin crew had just served breakfast when Dzafran Azmir felt the first tremor. He and the other two hundred and ten passengers on Singapore Airlines Flight SQ321 had been in the air for more than ten hours. Their flight had taken off the night before from the United Kingdom, where Azmir was studying audio engineering at the University of Plymouth, and had flown across Central Europe, the Black Sea, Turkmenistan, and Pakistan. They were thirty-seven thousand feet above the Irrawaddy River, in Myanmar—three hours from their scheduled landing in Singapore—when the turbulence started. For a moment, the plane quivered around them like a greyhound straining on a leash. Then it lifted its nose and leaped forward on an updraft. Eleven seconds later—at 7:49:32 A.M. on May 21, 2024, according to the flight’s data recorder—the pilots switched on the “Fasten Seat Belt” sign and told the flight attendants to secure the cabin. They were in for some rough weather.