Social Security is in trouble -- not to the point where it's at risk of disappearing, but to the point where benefit cuts are a distinct possibility in a little over a decade's time.

In the coming years, Social Security is expected to owe more money in benefits than it collects in payroll tax revenue, its main source of funding. That's due to an anticipated mass exodus of older workers -- and a lagging number of incoming workers to replace them.

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Source Fool.com