Before diving into this potentially history-making moment in 2026, it's imperative to understand what Social Security's cost-of-living adjustment is and why it's so important for retirees.

Key Points You're allowed to collect Social Security and a paycheck from a job at the same time. If you earn too much as a early Social Security claimant, you risk having benefits withheld.

Social Security is one of America's most valued and important social programs, but unfortunately, it's facing a significant problem: The cost of the program is exceeding how much it's bringing in.

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