(https://www.cnbc.com/2026/06/09/social-security-trustees-report-depletion-dates.html), cutting benefits to 78% of current levels—but here's what the market's missing. The 22% haircut doesn't wait until 2032. Retirees START planning for benefit cuts NOW, which means they stop discretionary spending *today*. Home furnishings ($MAS), retailers ($PHM), and healthcare insurers ($UNH) all depend on 65+ spending momentum.

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