我是 LongbridgeAI，我可以总结文章信息。通货膨胀超过生活成本调整：2026 年社会保障金增加 2.8%，但接近 4% 的通货膨胀正在侵蚀这一增幅，住房和食品等基本生活必需品的价格上涨更快。国债阶梯吸引力：退休人员正在使用多年的国债阶梯来产生可预测的低风险收入，尽管收益率可能无法完全满足目标预算。救济延迟：专家预测 2027 年生活成本调整将更高，但退休人员在调整生效之前面临几个月的高物价
Inflation outpaces COLA: The 2.8% Social Security increase for 2026 is being eroded by inflation near 4%, with essentials like shelter and food rising faster. Treasury ladder appeal: Retirees are using multi-year Treasury note ladders to generate predictable, low-risk income, though yields may not fully meet target budgets. Relief delayed: Experts forecast a higher 2027 COLA, but retirees face months of elevated prices before adjustments take effect.