Insights and analysis
What We’re Seeing
These posts share what we're observing across small businesses, entrepreneurs, and local economies. We write about trends, challenges, and shifts we see through our direct work with founders and business owners in San Antonio and beyond. We give our community timely, useful information they can actually apply.
Social Security's Trust Fund Is Running Out Faster Than Expected
The 2026 Social Security Trustees Report confirms the program's main retirement trust fund will run out in late 2032, triggering an automatic 22% cut to benefits if Congress doesn't act. For the average retiree, that's roughly $479 less per month. For small business owners and self-employed entrepreneurs, the ripple effects go further: workforce planning, payroll tax exposure, and retirement projections all get harder when a program 73% of retirees depend on becomes less predictable. Here's what the numbers actually say.
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