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Yes the gov. does borrow from the SS overage using government securities. So, there is a pile of bucks in bills and bonds that has accumulated a ton of interest. Most people who say it will run out of money must want us to privatize it (and lose all our money in the stock market-yep, big investment banks, etc can make money by their computers work so much faster than even wall streets only they (investment banks) can make bucks). Or prehaps if the US doesn't ever pay it back are they deadbeats? China Rules!