The numbers don’t lie. Social Security’s main retirement trust fund stands just six years from depletion. Come 2032, absent congressional action, benefits face an automatic reduction of roughly 24% to 28%. Tens of millions of retirees who count on these payments for more than half their income would see checks shrink overnight. That stark timeline comes from updated projections by the Congressional Budget Office, which moved the exhaustion date forward a year from prior estimates. The Motley Fool highlighted the urgency in late May, noting the CBO’s forecast of possible 28% cuts. Recent legislation, including tax provisions in the One Big Beautiful Bill Act, has accelerated the pressure by reducing payroll tax revenue and advancing depletion to as early as the fourth quarter of 2032. Yet the program soldiers on for now. The Social Security Administration announced a 2.8% cost-of-living adjustment for 2026. Average monthly retirement benefits will rise from $2,015 to $2,071.…