In this paper published by Goldman Sachs Group, researchers favor reform of Social Security. That is because rising life expectancies make the current system unsustainable. They disagree with those who argue that the current system is not in trouble because the Social Security trust fund is not projected to run out of monies until 2042. Although the situation is not a ""crisis,"" a system that is projected to go broke needs to be fixed. If one makes the adjustments earlier, the changes do not need to be as large.