if you're talking about social security it's mostly because of the baby boomers.... you see, social security is not a straight fund like most people think; every working American is paying out of their paycheck some social security for someone else as we speak. in the 50s, for every person that retired there was at least fifteen (unretired, working) people that was paying for that person's social security. now, because of the baby boomers, there's not enough money to cover everyone because there's too many people who is retiring at the same time. every 6 seconds, a person turns 50 think of that. o.0 so now instead of 15 people per retired person, there's only 3 people per retired person. . . we wouldn't have so much of a problem either if the government wasn't taking out part of those funds either. they've been wanting to privatize ss for a very long while now.