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Events • October 30, 2025 

# *Reimagining Social Security: Global Lessons for Retirement Policy Changes* — Panel 3: Enhancing Private Retirement Savings 

Now marking its 90th year, Social Security faces a critical moment: by 2033, the program’s trust fund depletion could trigger automatic benefit cuts of 23 percent unless Congress acts. *Reimagining Social Security* dives into the root causes of this crisis and explores how reforms adopted in countries including Canada, Germany, Sweden, and New Zealand can offer valuable guidance for the United States. Through original interviews and novel analysis, the authors present a compelling case for bold reforms that take a meaningful step toward fiscal sustainability while safeguarding a vital source of income for many retirees and protecting workers from undue tax burdens that reduce their choices and opportunities for a better life.

##### Featuring 

![Andrew G. Biggs circle crop](/sites/cato.org/files/styles/author_picture/public/2024-03/andrew-g-biggs-circle.jpeg?itok=cQYogL_b) 

##### Andrew G. Biggs 

Senior Fellow, American Enterprise Institute

![david-john-circle](/sites/cato.org/files/styles/author_picture/public/2025-08/david-john-circle.jpg?itok=Zn238HY5) 

##### David John 

Senior Strategic Policy Advisor, AARP Public Policy Institute

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](https://x.com/dcjretiresecure) 

[![Adam N. Michel cropped](/sites/cato.org/files/styles/author_picture/public/2023-02/adam-michel-cropped.jpg?itok=2xIg84-_)](/people/adam-n-michel) 

##### [Adam N. Michel](/people/adam-n-michel)

Director of Tax Policy Studies, Cato Institute

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](https://x.com/adamnmichel) 

![Rachel Greszler circle crop](/sites/cato.org/files/styles/author_picture/public/2024-03/rachel-greszler-circle.jpeg?itok=q-jdmp0s) 

##### Rachel Greszler 

Senior Research Fellow, Heritage Foundation