It's no secret that Social Security has its challenges. For years, Americans have worried that the program is going bankrupt and that their benefits may be at risk, and Congress has long debated various solutions.

The good news is that Social Security isn't running out of money or going away entirely. But the bad news is that it's facing a cash shortage that could impact your benefits in the future.

Social Security's most pressing issue right now is that it's relying too heavily on its trust funds.

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Source Fool.com