The Social Security Administration set a 3.6% cost-of-living adjustment (COLA) for 2027, up from 2.8% in 2026. The article argues that large COLAs reflect surging inflation, so a bigger 2028 COLA could mean sharply higher prices in 2027 that strain seniors’ budgets. It suggests moderate COLAs may be easier on retirees and that other retirement income, such as stocks with a long history of beating inflation, can help more than Social Security adjustments alone.
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