There is a way to fix Social Security. And the solution might surprise you

Every few months, another headline tells Americans that is going broke.

It's scary. It's also not quite true.

Social Security isn't going to wake up one morning with zero dollars coming through the door. Even if its trust fund reserves are depleted, millions of workers will still be paying Social Security every payday.

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The problem is that those taxes eventually won't generate enough money to pay 100% of scheduled benefits.

So, let's stop pretending Social Security can't be fixed. It can. You're just probably not going to like the fix. Here are three changes Washington should seriously consider.

In 2026, employees pay 6.2% into Social Security, and employers contribute another 6.2%, but the tax stops once wages reach $184,500.

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Someone making $100,000 pays Social Security tax on every dollar. Someone making $1 million doesn't. That's going to become increasingly difficult politically and mathematically to defend.

My first suggestion: Raise the Social Security taxable wage ceiling to $400,000. For somebody earning $400,000, that would expose another $215,500 of wages to Social Security taxes. It also doesnt make Social Security an infinite tax like Medicare.

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At today's 12.4% combined employee-employer rate, that's potentially another $26,722 annually flowing into the system from that worker and employer combined.

Depending on exactly how Congress structured the change, we're potentially talking about well over $1 trillion of additional revenue over a decade. Higher earners won't like it. I wouldn't like paying it either. But Social Security needs revenue. Its called a compromise.

Here's the second part politicians really won't want to advertise. Especially

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Everyone needs some skin in the game. Instead of suddenly slamming workers with a giant payroll-tax increase, raise the employee Social Security tax rate from 6.2% to 7.2% gradually over 10 years.

That's just 0.1 percentage point each year. Employers would see a corresponding gradual increase.

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For someone earning $75,000, the first increase amounts to about $75 for the entire year. Ten years later, the employee would be paying an additional $750 annually at today's income.

Nobody enjoys paying more taxes. But slowly adjusting the rate over a decade gives workers and businesses time to adapt.

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