Scott Galloway, a renowned NYU professor and business analyst, has recently sparked debate with his proposals on Social Security reform. He suggests implementing means-testing to restrict benefits for wealthier seniors, a move that could undermine the program's universality, increase administrative costs, and create perverse incentives that may discourage work among recipients. Galloway argues that current funding methods, primarily payroll taxes, are inefficient and that reform is necessary to ensure the system’s sustainability. His stance includes the idea that wealthy individuals, including himself, should forgo Social Security benefits, emphasizing the need for a fairer distribution of resources. Meanwhile, discussions highlight that billionaires still qualify for Social Security benefits, although their maximum potential benefits are relatively modest due to income caps. For example, in 2025, the maximum benefit is $5,108 per month, which is insignificant for billionaires earning millions annually. Some billionaires, like Donald Trump, reportedly choose not to claim benefits, and those who do may face heavy taxation on their benefits due to income thresholds. The debate over reform is intensified by concerns about the program’s long-term viability, with the Social Security trust fund projected to deplete by 2033 if no action is taken. Proposals for increasing payroll taxes on the wealthy or eliminating caps are being considered to address funding gaps. Galloway’s ideas have ignited a broader debate on who should benefit from Social Security and how to ensure its sustainability amid an aging population and financial challenges.