1. United States
2. Tenn.
3. Letter

Social Security is heading toward insolvency within 7 years, and Congress needs to act now. Support the Six Figure Limit on Social Security benefits and pair it with a raise on the payroll tax income cap. These two reforms together can close a massive share of the 75-year solvency gap without touching benefits for the vast majority of retirees. Right now, the wealthiest couples can collect up to $93,000 a year in Social Security — more than any comparable country, and nearly three times what retirees receive in the UK or Australia. Capping couple benefits at $100,000 saves $100 billion over 10 years under the inflation-indexed version alone, and the more aggressive 30-year fixed cap could boost payable benefits for the bottom half of retirees by 20–25%. In early years, the cap only affects couples with average retirement income above $2.5 million and net worth above $65 million. This is not a cut to working people — it's a correction for the ultra-wealthy. Raising the income cap alongside the Six Figure Limit makes the math work and makes the politics fair. People who earn more should contribute more. Do both.