Group 1 - The Social Security Administration (SSA) is facing significant delays in processing disability insurance claims, with some individuals waiting over six months for responses [2][5] - Approximately 10,000 individuals die each year while waiting for their disability determinations, highlighting the urgency of the situation [3] - The SSA's staffing levels have not changed in 27 years, contributing to a "customer service crisis" as nearly 10,000 baby boomers retire daily, increasing the demand for services [4][5] Group 2 - Inflation-related concerns are affecting retirees, as the Cost of Living Adjustments (COLAs) are not keeping pace with the real financial pressures faced by many Americans [5] - Younger investors are encouraged to start saving for retirement early, and consulting a financial advisor is recommended as a proactive step [6]