Social Security's funding deadline is creeping closer—the program's main trust fund is projected to run dry around 2032 to 2033—and Americans have strong opinions about how to fix it. Spoiler: they hate almost every option.

A new survey from the Ronald Reagan Institute, reviewed by FOX Business, found that roughly 90% of respondents oppose cutting Social Security benefits broadly. About 80% are against raising payroll taxes on workers and employers. And borrowing more money to prop up the program? 76% say no thanks.

But there's one idea that actually gets a thumbs-up: cutting benefits for wealthy retirees. When asked to choose between raising taxes, reducing benefits for everyone, or trimming benefits for retirees with more than $1 million in net worth, 71% picked the millionaire-targeted cut. Only 20% favored higher taxes, and just 9% backed across-the-board benefit reductions.

Raising the retirement age is also a non-starter. Only 26% support it; 74% are opposed.

The timing of the poll is no accident. According to the latest Social Security Trustees Report, the program's main trust fund is on track to be depleted around 2032 to 2033. If Congress does nothing, incoming payroll taxes would cover only about 75% to 80% of scheduled benefits. That's a big gap.

And the stakes are rising. A recent Gallup survey found a record 62% of retired Americans now rely on Social Security as a major source of income. Meanwhile, 69% of nonretirees said they're moderately or very worried about not having enough money in retirement. Sen. Bill Cassidy (R-La.) has warned that failing to address the funding gap could eventually trigger automatic benefit cuts of up to 28%.

Economist Justin Wolfers has pointed out that the problem is largely demographic, not political. Social Security is a pay-as-you-go system: today's workers pay taxes that fund today's retirees. With birth rates falling and life expectancy rising, fewer workers are supporting more retirees. That math doesn't work forever.

The Reagan Institute survey also revealed a widespread misunderstanding of how Social Security is funded. Dan Rothschild, director of the Center for Civics, Education and Opportunity at the Reagan Institute, told FOX Business that many respondents viewed Social Security and Medicare as trust funds that had been "raided," rather than pay-as-you-go systems funded largely by current workers' contributions.

So, the clock is ticking. Americans don't want higher taxes, don't want to work longer, and don't want their benefits cut—unless you're rich. Whether that's enough to get Congress moving before 2032 is another question.