Social Security’s 2027 COLA could hit a record 3.8%—up from last year’s adjustment—but don’t get too excited: that bump is mostly meant to keep pace with inflation, not boost your buying power. Retirees may still need to tap savings or take on part-time work to cover rising costs. The official number won’t be known until October, based on 2027’s inflation data. Use the next few months to plan your 2027 budget—because even a big raise might not change your financial reality.
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