<p>隨着日曆翻到 2026 年，老年人和即將退休的其他人有很多事情需要考慮。每年，政府都會對消費者的個人財務狀況進行一些關鍵的調整。通貨膨脹、税收責任規則等因素對美國工人的預算產生了深遠的影響。</p>
<p>瞭解某些社會保障規則的具體細節，以及它們在新的一年中所經歷的變化，將有助於在 2026 年全面展開時保持財務健康。毫無疑問，這些規則的變化可能會影響你的錢包和提款策略。然而，提前預見這些變化可以幫助你在這一年中取得更大的成功。在 2026 年，你應該關注的社會保障規則包括工作信用價值、新的調整後總收入（MAGI）減免、收入測試限額和年度生活成本調整（COLA）。</p>
<p>閲讀更多：在美國以外退休的 15 個最佳國家</p>
<h2>2026 年社會保障工作信用價值將上升</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，手中拿着筆記本電腦、計算器和文件 - Fcafotodigital/Getty Images</p>
<p>大多數美國人不必擔心獲得社會保障福利的資格。成年生活中持續工作的行為創造了足夠的信用獲得機會，使過渡變得順利。實際上，設立社會保障賬户的最佳時間是在 30 多歲，因為大多數典型工人將在這一生的初期根據信用資格獲得支付。每年可以獲得四個信用，達到 40 個信用後你就正式有資格獲得福利。</p>
<p>要獲得一個信用，你需要達到預設的收入門檻。在 2025 年，這一數字為 1,810 美元，因此獲得所需的全部信用需要工人每年存入 7,240 美元的工資支票。對於大多數人來説，這並不是問題，因為根據社會保障局（SSA）的數據，2024 年的平均工資略低於 70,000 美元。然而，花費大量時間在國外的工人或間歇性工作的人可能需要更具戰略性地考慮如何獲得這些資格信用。</p>
<p>在 2026 年，保持清晰的目標略有提高。工人需要賺取 1,890 美元才能獲得一個信用，這意味着完整的四個信用年將要求收入為 7,560 美元，依據 SSA 的數據。那些即將退休並有資格獲得福利但尚未達到所需信用門檻的人需要密切關注他們的工資單，以確保他們超過這一數字。</p>
<h2>徵税福利金額的減少將讓你口袋裏留更多錢</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>站在計算器上的老年人雕像 - Pla2na/Shutterstock</p>
<p>許多至少 65 歲的納税人將在 2026 年看到他們的調整後總收入（MAGI）減少多達 6,000 美元。根據新通過的《一項偉大的美麗法案》第 70103 條，65 歲及以上的人如果收入不超過 75,000 美元（或聯合申報者為 150,000 美元），可以將這一税收減免納入他們的財務計算中。</p>
<p>這一變化可能會給個人退休者帶來巨大的積極影響。將 6,000 美元從你的收入評估中削減提供了相當大的財務靈活性，尤其是對於那些剛好處於門檻邊緣的人。這一扣除將持續到 2028 税年結束，因此那些計劃其最低強制分配（RMD）時間表或評估年度混合提款策略（使用税延和預税選項）的人可以獲得更大的支出能力。</p>
<p>然而，這也是一把雙刃劍。根據 SSA 首席精算師的備忘錄，老年人的税收減免將在未來十年內使 SSA 損失超過 1680 億美元的税收收入。這預計將使信託基金的破產日期提前多達六個月。幸運的是，解決社會保障償付能力問題可能比預期的要容易，因此為了確保老年人的額外財務穩定，稍微影響其持續時間可能只是杯水車薪。</p>
<h2>2026 年退休收入測試限額已提高</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>黑色背景上的社會保障卡和支票 - Rix Pix Photography/Shutterstock</p>
<p>你可以選擇在達到完全退休年齡之前領取福利，但如果你選擇這種方式，有幾個關鍵的注意事項。首先，提前分配會導致福利金額減少。你可以在 62 歲時開始領取福利，但你將僅獲得大約 70% 的全額福利。作為副作用，如果你提前退休，你的福利價值也可能會略微減少。這是因為工人在其職業生涯中通常會看到工資逐漸增加，而這些增加會隨着工作時間的延長而繼續推高福利價值。</p>
<p>但關鍵是，仍在領取薪水的工人在享受福利時必須考慮收入測試限制——一個收入閾值，超過該閾值後，您的福利將以每賺取 2 美元扣除 1 美元的比例被扣除。根據社會保障局的數據，截至 2025 年，尚未達到完全退休年齡（對大多數工人來説為 67 歲）的人的收入測試限制為 23,400 美元；到 2026 年，這一限制增加了超過 1,000 美元，達到了 24,480 美元。不深入細節，這基本上意味着每年收入接近這一閾值的工人可以預期由於上限提高而多保留 2,160 美元的社會保障福利。同時，已達到完全退休年齡的工人的收入測試限制將從 62,160 美元提高到 65,160 美元。</p>
<h2>COLA 已到來，且與 2025 年的通脹率相符</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 增加標誌與天空背景 - Jimvallee/Getty Images</p>
<p>社會保障 COLA 每年自動到來，當日歷翻轉時。您無需做任何事情就能享受這一價值提升，因此如果有人向您提出類似建議，您就可能成為社會保障詐騙的受害者！對於 2026 年，年度 COLA 代表 2.8% 的增長。這略高於一年前的 2.5% 的調整，但對於擔心通脹的老年人來説，這仍然是一個值得關注的數字。</p>
<p>COLA 的提升專門旨在使社會保障福利與通脹保持一致。此調整是根據全年通脹數據計算的，旨在使依賴這些福利的老年人的財務狀況在每年之間保持大致相同的標準。然而，這只是更大圖景的一部分。自 2021 年達到峯值以來，通脹一直在下降，但對大多數美國人來説仍然是一個重大問題。例如，截至 2024 年 12 月的期間經歷了 2.9% 的通脹率，這意味着去年的 COLA 低於這一數字。即使今年的調整與通脹保持同步，老年人在預算計算上也不能掉以輕心。</p>
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<p>截至 2026 年，退休人員應注意社會保障規則的重大變化，這可能會影響他們的財務狀況。主要變化包括工作信用價值的增加、65 歲及以上納税人的調整後總收入（MAGI）減少，以及退休收入測試限額的提高。工作信用的門檻將上升至每個信用 1,890 美元，四個信用需要 7,560 美元。此外，老年人可以從其 MAGI 中扣除最多 6,000 美元，增強了財務靈活性，但可能會影響社會保障信託基金的償付能力</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>隨着日曆翻到 2026 年，老年人和即將退休的其他人有很多事情需要考慮。每年，政府都會對消費者的個人財務狀況進行一些關鍵的調整。通貨膨脹、税收責任規則等因素對美國工人的預算產生了深遠的影響。</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>瞭解某些社會保障規則的具體細節，以及它們在新的一年中所經歷的變化，將有助於在 2026 年全面展開時保持財務健康。毫無疑問，這些規則的變化可能會影響你的錢包和提款策略。然而，提前預見這些變化可以幫助你在這一年中取得更大的成功。在 2026 年，你應該關注的社會保障規則包括工作信用價值、新的調整後總收入（MAGI）減免、收入測試限額和年度生活成本調整（COLA）。</p>
</div><p>Read more: The 15 Best Countries To Retire Outside The United States</p>
<div class="lb-trans"><p>閲讀更多：在美國以外退休的 15 個最佳國家</p>
</div><h2>Social Security work credit value will rise in 2026</h2>
<div class="lb-trans"><h2>2026 年社會保障工作信用價值將上升</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，手中拿着筆記本電腦、計算器和文件 - 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>大多數美國人不必擔心獲得社會保障福利的資格。成年生活中持續工作的行為創造了足夠的信用獲得機會，使過渡變得順利。實際上，設立社會保障賬户的最佳時間是在 30 多歲，因為大多數典型工人將在這一生的初期根據信用資格獲得支付。每年可以獲得四個信用，達到 40 個信用後你就正式有資格獲得福利。</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>要獲得一個信用，你需要達到預設的收入門檻。在 2025 年，這一數字為 1,810 美元，因此獲得所需的全部信用需要工人每年存入 7,240 美元的工資支票。對於大多數人來説，這並不是問題，因為根據社會保障局（SSA）的數據，2024 年的平均工資略低於 70,000 美元。然而，花費大量時間在國外的工人或間歇性工作的人可能需要更具戰略性地考慮如何獲得這些資格信用。</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，保持清晰的目標略有提高。工人需要賺取 1,890 美元才能獲得一個信用，這意味着完整的四個信用年將要求收入為 7,560 美元，依據 SSA 的數據。那些即將退休並有資格獲得福利但尚未達到所需信用門檻的人需要密切關注他們的工資單，以確保他們超過這一數字。</p>
</div><h2>A reduction of taxed benefit amounts will keep more in your pocket</h2>
<div class="lb-trans"><h2>徵税福利金額的減少將讓你口袋裏留更多錢</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>站在計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>許多至少 65 歲的納税人將在 2026 年看到他們的調整後總收入（MAGI）減少多達 6,000 美元。根據新通過的《一項偉大的美麗法案》第 70103 條，65 歲及以上的人如果收入不超過 75,000 美元（或聯合申報者為 150,000 美元），可以將這一税收減免納入他們的財務計算中。</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>這一變化可能會給個人退休者帶來巨大的積極影響。將 6,000 美元從你的收入評估中削減提供了相當大的財務靈活性，尤其是對於那些剛好處於門檻邊緣的人。這一扣除將持續到 2028 税年結束，因此那些計劃其最低強制分配（RMD）時間表或評估年度混合提款策略（使用税延和預税選項）的人可以獲得更大的支出能力。</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，這也是一把雙刃劍。根據 SSA 首席精算師的備忘錄，老年人的税收減免將在未來十年內使 SSA 損失超過 1680 億美元的税收收入。這預計將使信託基金的破產日期提前多達六個月。幸運的是，解決社會保障償付能力問題可能比預期的要容易，因此為了確保老年人的額外財務穩定，稍微影響其持續時間可能只是杯水車薪。</p>
</div><h2>The retirement earnings-test limit has increased in 2026</h2>
<div class="lb-trans"><h2>2026 年退休收入測試限額已提高</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>黑色背景上的社會保障卡和支票 - 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>你可以選擇在達到完全退休年齡之前領取福利，但如果你選擇這種方式，有幾個關鍵的注意事項。首先，提前分配會導致福利金額減少。你可以在 62 歲時開始領取福利，但你將僅獲得大約 70% 的全額福利。作為副作用，如果你提前退休，你的福利價值也可能會略微減少。這是因為工人在其職業生涯中通常會看到工資逐漸增加，而這些增加會隨着工作時間的延長而繼續推高福利價值。</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>但關鍵是，仍在領取薪水的工人在享受福利時必須考慮收入測試限制——一個收入閾值，超過該閾值後，您的福利將以每賺取 2 美元扣除 1 美元的比例被扣除。根據社會保障局的數據，截至 2025 年，尚未達到完全退休年齡（對大多數工人來説為 67 歲）的人的收入測試限制為 23,400 美元；到 2026 年，這一限制增加了超過 1,000 美元，達到了 24,480 美元。不深入細節，這基本上意味着每年收入接近這一閾值的工人可以預期由於上限提高而多保留 2,160 美元的社會保障福利。同時，已達到完全退休年齡的工人的收入測試限制將從 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 已到來，且與 2025 年的通脹率相符</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 增加標誌與天空背景 - 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>社會保障 COLA 每年自動到來，當日歷翻轉時。您無需做任何事情就能享受這一價值提升，因此如果有人向您提出類似建議，您就可能成為社會保障詐騙的受害者！對於 2026 年，年度 COLA 代表 2.8% 的增長。這略高於一年前的 2.5% 的調整，但對於擔心通脹的老年人來説，這仍然是一個值得關注的數字。</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 的提升專門旨在使社會保障福利與通脹保持一致。此調整是根據全年通脹數據計算的，旨在使依賴這些福利的老年人的財務狀況在每年之間保持大致相同的標準。然而，這只是更大圖景的一部分。自 2021 年達到峯值以來，通脹一直在下降，但對大多數美國人來説仍然是一個重大問題。例如，截至 2024 年 12 月的期間經歷了 2.9% 的通脹率，這意味着去年的 COLA 低於這一數字。即使今年的調整與通脹保持同步，老年人在預算計算上也不能掉以輕心。</p>
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退休人員請注意：不要忽視 2026 年的這些社保規則