Social Security is facing enormous shortfalls. It is insolvent. Within the next 10 years, no one will be able to avoid this reality—despite decades of politically expedient denial. Yet as of today, both presidential candidates, Vice President Kamala Harris and former President Donald Trump, have announced they won’t touch the program. In fact, Trump wants to make it even more insolvent by lifting taxes seniors pay on benefits. Don’t get me wrong, I love lower tax rates. I also believe the current tax structure on benefits creates a large incentive for seniors who may want to reenter the workfo…