Broadly speaking, the older you are, the less exposure to the stock market you're supposed to take on. When you need safety and certainty, more reliable investments like interest-bearing bonds and even higher-yielding cash balances are prioritized. And understandably so.

The 2025 Social Security cost-of-living adjustment (COLA) came in at just 2.5%. That's well under the 3.2% retirees got last year and far less than what many were hoping for. The high inflation over the last few years has made it difficult for retirees to afford their basic expenses,

Those born between the 1st and 10th of any date will be paid on the first wednesday of the month. The SSA pays those with birthdays between the 11th and 20th second wednesday, and all the remaining beneficiaries on the third wednesday of the month.