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COLA Explained: How Inflation Is Quietly Cutting Social Security Payments
Millions of Americans rely on Social Security COLA increases to keep up with inflation—but what if those raises are actually making things worse?

In this video, we break down why Social Security checks feel smaller despite annual COLA adjustments, how inflation is eroding purchasing power, and what retirees and future beneficiaries need to understand right now.

How COLA (Cost-of-Living Adjustment) is calculated

Why official inflation numbers don’t reflect real-world expenses

How housing, healthcare, and food costs outpace COLA increases

What this means for retirees, disabled workers, and survivors

Practical steps to protect your financial future

If you depend on Social Security—or plan to—this is information you cannot afford to ignore.

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00:00 – Why Social Security Checks Feel Smaller
01:12 – What COLA Really Means
02:45 – How COLA Is Calculated
04:18 – The Inflation Problem Nobody Talks About
06:05 – Why Seniors Are Hit Hardest
08:10 – Healthcare & Housing Costs Explained
10:02 – Real-World Impact on Retirees
12:15 – What You Can Do to Prepare
17:00 – Final Thoughts & Key Takeaways

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