Inflation keeps eroding purchasing power. CPI hit almost 333 in July 2026, up from about 323 a year earlier. The 2027 Social Security COLA is tracking near 3.1%, which helps, but a cost-of-living bump cannot outrun a 20%-plus interest rate. Every month of delay makes the hole deeper.Most Americans suspect they're behind on retirement and never find out. Advisor.com's free matching tool pairs you in about three minutes with a vetted fiduciary advisor who can help you with investing, taxes, retirement, estate ...