If you count on Social Security, I’ve got news that sounds great on the surface: Your 2027 raise is the biggest in years. The cost-of-living adjustment (COLA) for 2027 is 3.6%. That’s nearly a full point higher than the 2.8% you got this year — and the largest raise retirees have seen since 2023. So here’s where I’m supposed to tell you to celebrate. I’m not going to do that.
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