Editing Social Security Trust Fund (section)

===Commentary===
Some commentators believe that whether the trust fund is a fact or fiction comes down to whether the trust fund contributes to national savings or not.<ref name="nber.org">{{cite journal
|last = Nataraj
|first = Sita
|author2=John B. Shoven
 |title = Has the Unified Budget Undermined the Federal Government Trust Funds
|journal = NBER Working Paper No. 10953
|year = 2004
|doi = 10.3386/w10953
|doi-access = free
}}</ref>  If $1 added to the fund increases national savings, or replaces borrowing from other lenders, by $1, the trust fund is real.  If $1 added to the fund does not replace other borrowing or otherwise increase national savings, the trust fund is not "real".  Some economic research argues that the trust funds have led to only a small to modest increase in national savings and that the bulk of the trust fund has been "spent".<ref name="nber.org"/><ref>{{cite journal |last1=Samwick |first1=Andrew A. |title=Social Security Reform in the United States |year=2000 |doi=10.2139/ssrn.233130|citeseerx=10.1.1.597.6747 |s2cid=59474480 }}</ref><ref>{{cite journal
|last = Feldstein
|first = Martin S.
|author2=Jeffrey B. Liebman
 |title = Social Security
|journal = National Bureau of Economic Research Working Paper 8451 (September)
|year = 2001 }}</ref><ref>{{cite news
|last = Greenspan
|first = Alan
|title = Economic Outlook and Current Fiscal Issues
|publisher = Testimony before the Committee on the Budget, U.S. House of Representatives
|date = March 2, 2005}}</ref> Others suggest a more significant savings effect.<ref>{{cite book
|last = Diamond
|first = Peter A.
|author2 = Peter R. Orszag
|title = Saving Social Security: A Balanced Approach
|publisher = Brookings Institution Press
|year = 2004
|location = Washington, D.C.
|isbn = 978-0-8157-1838-3
|url-access = registration
|url = https://archive.org/details/isbn_9780815718383
}}</ref>