<p>随着日历翻到 2026 年，老年人和即将退休的其他人有很多事情需要考虑。每年，政府都会对消费者的个人财务状况进行一些关键的调整。通货膨胀、税收责任规则等因素对美国工人的预算产生了深远的影响。</p>
<p>了解某些社会保障规则的具体细节，以及它们在新的一年中所经历的变化，将有助于在 2026 年全面展开时保持财务健康。毫无疑问，这些规则的变化可能会影响你的钱包和提款策略。然而，提前预见这些变化可以帮助你在这一年中取得更大的成功。在 2026 年，你应该关注的社会保障规则包括工作信用价值、新的调整后总收入（MAGI）减免、收入测试限额和年度生活成本调整（COLA）。</p>
<p>阅读更多：在美国以外退休的 15 个最佳国家</p>
<h2>2026 年社会保障工作信用价值将上升</h2>
<p><img src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/8T4NSmRpvMT5lBJkGGIOuw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/059063a6b31e1395a66213ca996891b1?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="780" height="438" original-src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/8T4NSmRpvMT5lBJkGGIOuw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/059063a6b31e1395a66213ca996891b1"/></p>
<p>一名女性在桌子上工作，手中拿着笔记本电脑、计算器和文件 - Fcafotodigital/Getty Images</p>
<p>大多数美国人不必担心获得社会保障福利的资格。成年生活中持续工作的行为创造了足够的信用获得机会，使过渡变得顺利。实际上，设立社会保障账户的最佳时间是在 30 多岁，因为大多数典型工人将在这一生的初期根据信用资格获得支付。每年可以获得四个信用，达到 40 个信用后你就正式有资格获得福利。</p>
<p>要获得一个信用，你需要达到预设的收入门槛。在 2025 年，这一数字为 1,810 美元，因此获得所需的全部信用需要工人每年存入 7,240 美元的工资支票。对于大多数人来说，这并不是问题，因为根据社会保障局（SSA）的数据，2024 年的平均工资略低于 70,000 美元。然而，花费大量时间在国外的工人或间歇性工作的人可能需要更具战略性地考虑如何获得这些资格信用。</p>
<p>在 2026 年，保持清晰的目标略有提高。工人需要赚取 1,890 美元才能获得一个信用，这意味着完整的四个信用年将要求收入为 7,560 美元，依据 SSA 的数据。那些即将退休并有资格获得福利但尚未达到所需信用门槛的人需要密切关注他们的工资单，以确保他们超过这一数字。</p>
<h2>征税福利金额的减少将让你口袋里留更多钱</h2>
<p><img src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/lvkFuyX7lo935aMZtxPpGg--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/0b73c16ac4b0288cbeca9aac1eaa21d3?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="780" height="438" original-src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/lvkFuyX7lo935aMZtxPpGg--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/0b73c16ac4b0288cbeca9aac1eaa21d3"/></p>
<p>站在计算器上的老年人雕像 - Pla2na/Shutterstock</p>
<p>许多至少 65 岁的纳税人将在 2026 年看到他们的调整后总收入（MAGI）减少多达 6,000 美元。根据新通过的《一项伟大的美丽法案》第 70103 条，65 岁及以上的人如果收入不超过 75,000 美元（或联合申报者为 150,000 美元），可以将这一税收减免纳入他们的财务计算中。</p>
<p>这一变化可能会给个人退休者带来巨大的积极影响。将 6,000 美元从你的收入评估中削减提供了相当大的财务灵活性，尤其是对于那些刚好处于门槛边缘的人。这一扣除将持续到 2028 税年结束，因此那些计划其最低强制分配（RMD）时间表或评估年度混合提款策略（使用税延和预税选项）的人可以获得更大的支出能力。</p>
<p>然而，这也是一把双刃剑。根据 SSA 首席精算师的备忘录，老年人的税收减免将在未来十年内使 SSA 损失超过 1680 亿美元的税收收入。这预计将使信托基金的破产日期提前多达六个月。幸运的是，解决社会保障偿付能力问题可能比预期的要容易，因此为了确保老年人的额外财务稳定，稍微影响其持续时间可能只是杯水车薪。</p>
<h2>2026 年退休收入测试限额已提高</h2>
<p><img src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/UIlMPRmRtYJ89dl6DnDKGQ--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/42e7fa807de070132eee4e09f9353c78?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="780" height="438" original-src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/UIlMPRmRtYJ89dl6DnDKGQ--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/42e7fa807de070132eee4e09f9353c78"/></p>
<p>黑色背景上的社会保障卡和支票 - Rix Pix Photography/Shutterstock</p>
<p>你可以选择在达到完全退休年龄之前领取福利，但如果你选择这种方式，有几个关键的注意事项。首先，提前分配会导致福利金额减少。你可以在 62 岁时开始领取福利，但你将仅获得大约 70% 的全额福利。作为副作用，如果你提前退休，你的福利价值也可能会略微减少。这是因为工人在其职业生涯中通常会看到工资逐渐增加，而这些增加会随着工作时间的延长而继续推高福利价值。</p>
<p>但关键是，仍在领取薪水的工人在享受福利时必须考虑收入测试限制——一个收入阈值，超过该阈值后，您的福利将以每赚取 2 美元扣除 1 美元的比例被扣除。根据社会保障局的数据，截至 2025 年，尚未达到完全退休年龄（对大多数工人来说为 67 岁）的人的收入测试限制为 23,400 美元；到 2026 年，这一限制增加了超过 1,000 美元，达到了 24,480 美元。不深入细节，这基本上意味着每年收入接近这一阈值的工人可以预期由于上限提高而多保留 2,160 美元的社会保障福利。同时，已达到完全退休年龄的工人的收入测试限制将从 62,160 美元提高到 65,160 美元。</p>
<h2>COLA 已到来，且与 2025 年的通胀率相符</h2>
<p><img src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/q3RxgKtnf0MDWsgnvajAAw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/c43ba9855db2af786b6b2834ee6a797d?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="780" height="438" original-src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/q3RxgKtnf0MDWsgnvajAAw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/c43ba9855db2af786b6b2834ee6a797d"/></p>
<p>COLA 增加标志与天空背景 - Jimvallee/Getty Images</p>
<p>社会保障 COLA 每年自动到来，当日历翻转时。您无需做任何事情就能享受这一价值提升，因此如果有人向您提出类似建议，您就可能成为社会保障诈骗的受害者！对于 2026 年，年度 COLA 代表 2.8% 的增长。这略高于一年前的 2.5% 的调整，但对于担心通胀的老年人来说，这仍然是一个值得关注的数字。</p>
<p>COLA 的提升专门旨在使社会保障福利与通胀保持一致。此调整是根据全年通胀数据计算的，旨在使依赖这些福利的老年人的财务状况在每年之间保持大致相同的标准。然而，这只是更大图景的一部分。自 2021 年达到峰值以来，通胀一直在下降，但对大多数美国人来说仍然是一个重大问题。例如，截至 2024 年 12 月的期间经历了 2.9% 的通胀率，这意味着去年的 COLA 低于这一数字。即使今年的调整与通胀保持同步，老年人在预算计算上也不能掉以轻心。</p>
<p>释放您的财务潜力。将 Money Digest 添加到您首选的智能理财信息来源中！</p>
<p>阅读 Money Digest 上的原始文章。</p>

<p>截至 2026 年，退休人员应注意社会保障规则的重大变化，这可能会影响他们的财务状况。主要变化包括工作信用价值的增加、65 岁及以上纳税人的调整后总收入（MAGI）减少，以及退休收入测试限额的提高。工作信用的门槛将上升至每个信用 1,890 美元，四个信用需要 7,560 美元。此外，老年人可以从其 MAGI 中扣除最多 6,000 美元，增强了财务灵活性，但可能会影响社会保障信托基金的偿付能力</p>

<p>As the calendar rolls over to 2026, seniors and others who will soon transition into retirement have lots to consider. Every year, the government makes a few key changes to the personal finance picture that consumers have to contend with. Factors like inflation, tax liability rules, and more cast a long shadow over the budgets of American workers.</p>
<div class="lb-trans"><p>随着日历翻到 2026 年，老年人和即将退休的其他人有很多事情需要考虑。每年，政府都会对消费者的个人财务状况进行一些关键的调整。通货膨胀、税收责任规则等因素对美国工人的预算产生了深远的影响。</p>
</div><p>Knowing the specifics of certain Social Security rules, and the changes they undergo in the new year, will help keep your finances in good health as 2026 kicks into full gear. Make no mistake — changes to these rules will probably impact your wallet and drawdown strategy. However, anticipating them can help set you up for greater success as the year continues to play out. In 2026, the Social Security rules you should keep an eye on include the work credit value, the new modified adjusted gross income (MAGI) reduction, the earnings-test limit, and the annual cost-of-living adjustment (COLA).</p>
<div class="lb-trans"><p>了解某些社会保障规则的具体细节，以及它们在新的一年中所经历的变化，将有助于在 2026 年全面展开时保持财务健康。毫无疑问，这些规则的变化可能会影响你的钱包和提款策略。然而，提前预见这些变化可以帮助你在这一年中取得更大的成功。在 2026 年，你应该关注的社会保障规则包括工作信用价值、新的调整后总收入（MAGI）减免、收入测试限额和年度生活成本调整（COLA）。</p>
</div><p>Read more: The 15 Best Countries To Retire Outside The United States</p>
<div class="lb-trans"><p>阅读更多：在美国以外退休的 15 个最佳国家</p>
</div><h2>Social Security work credit value will rise in 2026</h2>
<div class="lb-trans"><h2>2026 年社会保障工作信用价值将上升</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/8T4NSmRpvMT5lBJkGGIOuw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/059063a6b31e1395a66213ca996891b1" alt="" original-src="https://s.yimg.com/ny/api/res/1.2/8T4NSmRpvMT5lBJkGGIOuw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/059063a6b31e1395a66213ca996891b1"/></p>
<p>Woman working at a desk with a laptop computer, a calculator, and papers in her hand - Fcafotodigital/Getty Images</p>
<div class="lb-trans"><p>一名女性在桌子上工作，手中拿着笔记本电脑、计算器和文件 - Fcafotodigital/Getty Images</p>
</div><p>Most Americans won't have to worry about qualifying for Social Security benefits. The act of showing up to work throughout your adult life creates more than enough credit-earning opportunities to make the transition seamless. The best time to set up your Social Security account is actually sometime in your 30s, because most typical workers will qualify for the payouts near the start of this decade of life based on credits. Four credits are available each year, and you're officially eligible for the benefits when you hit 40 credits.</p>
<div class="lb-trans"><p>大多数美国人不必担心获得社会保障福利的资格。成年生活中持续工作的行为创造了足够的信用获得机会，使过渡变得顺利。实际上，设立社会保障账户的最佳时间是在 30 多岁，因为大多数典型工人将在这一生的初期根据信用资格获得支付。每年可以获得四个信用，达到 40 个信用后你就正式有资格获得福利。</p>
</div><p>To earn a credit, you need to hit a preset income threshold. In 2025, that figure was $1,810, so earning the full slate of credits required a worker to bank $7,240 in salary checks annually. That's not really an issue for most, since the average salary in 2024 was just under $70,000, according to data from the Social Security Administration (SSA). However, a worker who has spent considerable time abroad or someone who works intermittently may need to start thinking a little more strategically about earning these eligibility credits.</p>
<div class="lb-trans"><p>要获得一个信用，你需要达到预设的收入门槛。在 2025 年，这一数字为 1,810 美元，因此获得所需的全部信用需要工人每年存入 7,240 美元的工资支票。对于大多数人来说，这并不是问题，因为根据社会保障局（SSA）的数据，2024 年的平均工资略低于 70,000 美元。然而，花费大量时间在国外的工人或间歇性工作的人可能需要更具战略性地考虑如何获得这些资格信用。</p>
</div><p>In 2026, the target to keep clear is slightly higher. Workers will need to earn $1,890 to bank a single credit, meaning a full, four-credit year will demand earnings of $7,560, per SSA. Those who are nearing retirement and are eligible to receive benefits but haven't yet hit the required credit threshold will want to keep a close eye on their paychecks to ensure they pass this figure.</p>
<div class="lb-trans"><p>在 2026 年，保持清晰的目标略有提高。工人需要赚取 1,890 美元才能获得一个信用，这意味着完整的四个信用年将要求收入为 7,560 美元，依据 SSA 的数据。那些即将退休并有资格获得福利但尚未达到所需信用门槛的人需要密切关注他们的工资单，以确保他们超过这一数字。</p>
</div><h2>A reduction of taxed benefit amounts will keep more in your pocket</h2>
<div class="lb-trans"><h2>征税福利金额的减少将让你口袋里留更多钱</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/lvkFuyX7lo935aMZtxPpGg--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/0b73c16ac4b0288cbeca9aac1eaa21d3" alt="" original-src="https://s.yimg.com/ny/api/res/1.2/lvkFuyX7lo935aMZtxPpGg--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/0b73c16ac4b0288cbeca9aac1eaa21d3"/></p>
<p>Senior figurines standing on a calculator - Pla2na/Shutterstock</p>
<div class="lb-trans"><p>站在计算器上的老年人雕像 - Pla2na/Shutterstock</p>
</div><p>Many taxpayers who are at least 65 will see their adjusted gross income (MAGI) reduced by as much as $6,000 in 2026. In accordance with Section 70103 of the newly passed One Big Beautiful Bill Act, those 65 and older can add this tax break into their financial equation if they make up to $75,000, or $150,000 for joint filers.</p>
<div class="lb-trans"><p>许多至少 65 岁的纳税人将在 2026 年看到他们的调整后总收入（MAGI）减少多达 6,000 美元。根据新通过的《一项伟大的美丽法案》第 70103 条，65 岁及以上的人如果收入不超过 75,000 美元（或联合申报者为 150,000 美元），可以将这一税收减免纳入他们的财务计算中。</p>
</div><p>This change can result in a big, positive swing in favor of the individual retiree. Slashing $6,000 off your income assessment offers plenty of financial flexibility, especially for those right on the cusp of the threshold. This deduction will remain in effect until the end of the 2028 tax year, so those planning their required minimum distribution (RMD) schedule or evaluating an annual blended withdrawal strategy (using both tax-deferred and pre-taxed options) can get greater spending power.</p>
<div class="lb-trans"><p>这一变化可能会给个人退休者带来巨大的积极影响。将 6,000 美元从你的收入评估中削减提供了相当大的财务灵活性，尤其是对于那些刚好处于门槛边缘的人。这一扣除将持续到 2028 税年结束，因此那些计划其最低强制分配（RMD）时间表或评估年度混合提款策略（使用税延和预税选项）的人可以获得更大的支出能力。</p>
</div><p>This is a double-edged sword, however. The tax break for seniors will cost the SSA over $168 billion in lost tax revenue extended out over the next decade, according to a memo from the SSA's chief actuary. This is estimated to accelerate the trust fund's insolvency date by as many as six months. Fortunately, fixing the Social Security solvency issue may be easier than expected, so a slight hit in longevity to secure additional financial stability for seniors is potentially a drop in the bucket.</p>
<div class="lb-trans"><p>然而，这也是一把双刃剑。根据 SSA 首席精算师的备忘录，老年人的税收减免将在未来十年内使 SSA 损失超过 1680 亿美元的税收收入。这预计将使信托基金的破产日期提前多达六个月。幸运的是，解决社会保障偿付能力问题可能比预期的要容易，因此为了确保老年人的额外财务稳定，稍微影响其持续时间可能只是杯水车薪。</p>
</div><h2>The retirement earnings-test limit has increased in 2026</h2>
<div class="lb-trans"><h2>2026 年退休收入测试限额已提高</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/UIlMPRmRtYJ89dl6DnDKGQ--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/42e7fa807de070132eee4e09f9353c78" alt="" original-src="https://s.yimg.com/ny/api/res/1.2/UIlMPRmRtYJ89dl6DnDKGQ--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/42e7fa807de070132eee4e09f9353c78"/></p>
<p>Social Security card and check on black background - Rix Pix Photography/Shutterstock</p>
<div class="lb-trans"><p>黑色背景上的社会保障卡和支票 - Rix Pix Photography/Shutterstock</p>
</div><p>You can choose to draw benefits before reaching full retirement age, but there are a few key caveats to keep in mind if you go this route. Firstly, an early distribution start results in a reduced benefit amount. You can take benefits as early as 62, but you'll receive checks for only about 70% of the full benefit. As a side effect, your benefit value may also be reduced slightly if you retire early. That's because workers generally see a gradual salary increase throughout their working life, and these increases continue to skew the benefit value northward the longer they work.</p>
<div class="lb-trans"><p>你可以选择在达到完全退休年龄之前领取福利，但如果你选择这种方式，有几个关键的注意事项。首先，提前分配会导致福利金额减少。你可以在 62 岁时开始领取福利，但你将仅获得大约 70% 的全额福利。作为副作用，如果你提前退休，你的福利价值也可能会略微减少。这是因为工人在其职业生涯中通常会看到工资逐渐增加，而这些增加会随着工作时间的延长而继续推高福利价值。</p>
</div><p>But crucially, workers still drawing a paycheck while taking benefits must think about the earnings-test limit — an earnings threshold beyond which your benefits get withheld at a rate of $1 for every $2 earned. As of 2025, the earnings-test limit for those who have not yet reached full retirement age (67 for most workers today), was $23,400; in 2026, it has increased by a little over $1,000 to $24,480, according to the SSA. Without getting into the weeds, that essentially means that workers earning about the threshold from year to year can anticipate keeping an extra $2,160 in Social Security benefits in their pocket thanks to the raised cap. Meanwhile, workers who have reached full retirement age will see their earnings-test limit rise from $62,160 to $65,160.</p>
<div class="lb-trans"><p>但关键是，仍在领取薪水的工人在享受福利时必须考虑收入测试限制——一个收入阈值，超过该阈值后，您的福利将以每赚取 2 美元扣除 1 美元的比例被扣除。根据社会保障局的数据，截至 2025 年，尚未达到完全退休年龄（对大多数工人来说为 67 岁）的人的收入测试限制为 23,400 美元；到 2026 年，这一限制增加了超过 1,000 美元，达到了 24,480 美元。不深入细节，这基本上意味着每年收入接近这一阈值的工人可以预期由于上限提高而多保留 2,160 美元的社会保障福利。同时，已达到完全退休年龄的工人的收入测试限制将从 62,160 美元提高到 65,160 美元。</p>
</div><h2>The COLA has arrived, and it's right in line with the 2025 inflation rate</h2>
<div class="lb-trans"><h2>COLA 已到来，且与 2025 年的通胀率相符</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/q3RxgKtnf0MDWsgnvajAAw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/c43ba9855db2af786b6b2834ee6a797d" alt="" original-src="https://s.yimg.com/ny/api/res/1.2/q3RxgKtnf0MDWsgnvajAAw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTUzOQ--/https://media.zenfs.com/en/money_digest_articles_438/c43ba9855db2af786b6b2834ee6a797d"/></p>
<p>COLA increase sign with sky in background - Jimvallee/Getty Images</p>
<div class="lb-trans"><p>COLA 增加标志与天空背景 - Jimvallee/Getty Images</p>
</div><p>The Social Security COLA arrives automatically every year when the calendar turns over. You don't need to do anything to take advantage of this value bump, so if someone approaches you with a suggestion of that sort, you're being victimized by a Social Security scam! For 2026, the annual COLA represents a 2.8% increase. That's slightly higher than the 2.5% adjustment that took place a year ago, but it's still a figure that should perhaps concern seniors who are worried about inflation.</p>
<div class="lb-trans"><p>社会保障 COLA 每年自动到来，当日历翻转时。您无需做任何事情就能享受这一价值提升，因此如果有人向您提出类似建议，您就可能成为社会保障诈骗的受害者！对于 2026 年，年度 COLA 代表 2.8% 的增长。这略高于一年前的 2.5% 的调整，但对于担心通胀的老年人来说，这仍然是一个值得关注的数字。</p>
</div><p>The COLA boost is designed specifically to keep Social Security benefits in line with inflation. This adjustment is calculated against inflation figures throughout the year in an effort to keep the financial standing of seniors who rely on the benefits at roughly the same standard from one year to the next. The 12-month period ending in December 2025 saw an inflation rate of 2.7%, meaning the COLA boost is essentially even with the average cost of living increase that consumers are seeing. This is a snippet of the bigger picture, however. Since its peak in 2021, inflation has been falling, but it's still a significant concern for most Americans. For instance, the period ending in December 2024 experienced a 2.9% inflation rate, meaning last year's COLA was beneath the figure. Even with an adjustment that keeps pace this year, seniors can't get complacent with their budgetary math.</p>
<div class="lb-trans"><p>COLA 的提升专门旨在使社会保障福利与通胀保持一致。此调整是根据全年通胀数据计算的，旨在使依赖这些福利的老年人的财务状况在每年之间保持大致相同的标准。然而，这只是更大图景的一部分。自 2021 年达到峰值以来，通胀一直在下降，但对大多数美国人来说仍然是一个重大问题。例如，截至 2024 年 12 月的期间经历了 2.9% 的通胀率，这意味着去年的 COLA 低于这一数字。即使今年的调整与通胀保持同步，老年人在预算计算上也不能掉以轻心。</p>
</div><p>Unlock your financial potential. Add Money Digest to your preferred sources for smart money insights!</p>
<div class="lb-trans"><p>释放您的财务潜力。将 Money Digest 添加到您首选的智能理财信息来源中！</p>
</div><p>Read the original article on Money Digest.</p>
<div class="lb-trans"><p>阅读 Money Digest 上的原始文章。</p>
</div>

退休人员请注意：不要忽视 2026 年的这些社保规则