Henrietta, N.Y. - Tyrone James has worked since he was 16 years old. So has Peggy Pollizzi.
Both wonder if they will see any of the money they have put into Social Security when it's time for them to retire.
Peggy told us: "I'm really hoping we can find a way to fix it...we've all been putting in money all these years, it's not fair."
Tyrone says he's trying to save more in case the money isn't there when he retires but he agrees, it's not right: "I've been working my whole life, since I was a teenager...it's just ridiculous, something has to be done."
An annual report from the Social Security Administration said benefits paid out to retirees and the disabled could be less than 100 percent by the year 2033.
George Conboy of Brighton Securities says he doubts Congress would cut Social Security benefits altogether. But Conboy says we will all end up getting less.
"You have a problem with not enough money coming in and too much coming out..the growing pool of retirees is collecting benefits, but the workforce keeps shrinking, so not as many people are paying in," Conboy said.
Conboy says he believes in the future, Social Security will be fully taxed and while that will save the system from going under, it will mean all of us will get less money.
"Reduce benefits by going through the side door with increased taxation...we'll be paying more but we won't know it."
Conboy says he doubts Social Security benefits would be cut or eliminated any other way, other than higher taxes.
But he says "If Social Security were an insurance program regulated by the state of New York, it would be out of business already."
Even some like Gerry Cappuccio, who have collected benefits for years, say it's not right that the money is running out. Gerry told us: "We are lucky we did a good job in our time but we are leaving our children and grandchildren in bad shape."
Retiree George Mazzeo says people who depend soley on Social Security will be in trouble. He also has a pension and says he won't be around when the money runs out. Mazzeo told us: I think a lot of people may have depended on Social Security too much, it's great, but it's not enough."