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Original headline: ‘It’s a wait-and-see situation’: I’m 63 and diagnosed with lymphoma. Should I take my Social Security next year?
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The article says the 2027 cost-of-living adjustment (COLA) for Social Security will be set by the September Consumer Price Index report due Oct. 14. The Senior Citizens League projects a 3.5% increase, a figure echoed by policy analyst Mary Johnson according to CNBC, which the article describes as the highest in three years. It cites a Federal Reserve Bank of New York paper finding that tariffs under the Trump administration raised prices in 67 consumer goods categories by 2.9% between 2025 and 2026; without tariffs, those prices would have fallen by nearly 1%. The article also links military action against Iran and the closure of the Strait of Hormuz to higher fuel prices, with diesel hitting a historic $6 a gallon per the Associated Press. It also presents gold and rental real estate as ways for fixed-income retirees to guard against inflation.
- The Eight Years Between Retiring at 62 and Claiming Social Security at 70 Are the Lowest Tax Bracket Most Retirees Will Ever See. A Couple Spending $60,000 Can Convert About $70,000 a Year to a Roth at 12% and Never Pay 22% on It Again
Many new retirees live off savings from age 62 and wait until 70 to claim Social Security, filing with very little taxable income even though these years offer the lowest tax brackets they will see. For a married couple filing jointly in 2026, income taxed at 12% extends to $100,800, so a couple spending $60,000 could convert about $70,000 a year to a Roth, moving $560,000 over eight years and saving $56,000 compared with paying 22% later. Waiting until 70 can backfire, as Social Security plus required minimum distributions can make up to 85% of benefits taxable, pushing a 22%-bracket couple's effective marginal rate to 40.7%. Converting before 65 can also cost ACA premium subsidies, Medicare premiums are based on income from two years earlier, and taxes withheld from a conversion never reach the Roth.
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- Should You Invest in the S&P 500 Right Now or Wait? There's 1 Clear Answer
The article notes the S&P 500 has delivered an average annual total return of about 10% since 1957 and rose 15% over the past 12 months, trading just 2% below its all-time high at 21 times forward earnings versus a 25-year average of 17. The index has suffered sharp drawdowns, including declines of 57% from 2007 to 2009, 34% in 2020 and 25% in 2022, yet its total return since 2007 is 686%. Even investors who bought at the January 3, 2022 peak, just before the Fed's rate hikes, would still have a 71% total return. The author concludes that long-term investors should not focus on timing the entry point, but start a position now and invest regularly each month using dollar-cost averaging.
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