The future looks grim for people who rely on Social Security income in retirement. The program is barreling toward running out of funds by 2032 unless Congress intervenes, and women in particular stand to lose if that doesn’t happen. Experts predict that the Old-Age and Survivors Insurance Trust Fund, better known as OASI, will be depleted in as little as six years—or seven if we’re lucky. In the U.S., 63 million Americans receive Social Securit…