Retirement Lifestyle - Retirement is not just about being busy with activities like travel and volunteering [1] - It's also about finding joy in doing nothing and having a "time in" for self-reflection [1] - Retirement offers a different way of seeing oneself [1]

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Core Insights - Social Security benefits are failing to maintain retirees' buying power due to inadequacies in the Cost of Living Adjustments (COLAs) formula [2][4][5] - The current COLA formula is based on a consumer price index that does not accurately reflect the spending habits of seniors, leading to a significant loss in purchasing power [6][7] Group 1: Social Security and COLA Issues - Social Security benefits are intended to help retirees maintain their buying power, but this is not happening in practice [2][4] - COLAs are calculated based on a price index for urban wage earners and clerical workers, which does not align with the spending patterns of retirees [5][6] - Since 2010, Social Security benefits have lost approximately 20% of their buying power due to the inadequacies in the COLA calculations [7] Group 2: Potential Solutions - There are alternative solutions, such as annuities, that could help retirees fill the gap created by insufficient Social Security benefits [3]

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Key Points Working longer could help you avoid a reduction in benefits, or help you grow your benefits. It could also help you replace some years of low or no income with more wages. Staying in your current job isn't your only option for remaining employed. The $23,760 Social Security bonus most retirees completely overlook › If you're thinking that 2026 will be the year you retire, you may be getting increasingly antsy by the day -- in a good way, of course. Retirement is definitely a period of ...