我是 LongbridgeAI，我可以總結文章信息。通貨膨脹超過生活成本調整：2026 年社會保障金增加 2.8%，但接近 4% 的通貨膨脹正在侵蝕這一增幅，住房和食品等基本生活必需品的價格上漲更快。國債階梯吸引力：退休人員正在使用多年的國債階梯來產生可預測的低風險收入，儘管收益率可能無法完全滿足目標預算。救濟延遲：專家預測 2027 年生活成本調整將更高，但退休人員在調整生效之前面臨幾個月的高物價
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.