Steve Heap / Shutterstock.com Quick Read Social Security COLAs are tied to CPI-W inflation data from July through September, not to Federal Reserve interest rate decisions. The 2026 COLA is locked at 2.8% and will not change due to recent Fed rate cuts. Lower rates could stimulate spending and raise inflation in 2026, potentially increasing the 2027 COLA. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more her ...