Ok. I got it.

I’ve got a couple years to think about what I’m gonna do when the RMD kicks in. I’m leaning toward dumping it into some kind of tax-free education fund for the g-kids.

Or hookers and blow. Tough call.

How the 2026 COLA compares to previous years

Although the 2026 COLA is higher than 2025's, it's still low compared to historical COLAs. Since COLAs became annual in 1975, the average has been 3.6%. In the past decade, the average has been around 2.8%, so 2026 is right on par with that. The only years without a COLA are 2010, 2011, and 2016.

https://www.fool.com/retirement/2025/11/09/social-securitys-2026-cola-is-official-retirees-in/

New 2026 SS benefit arrived Friday....direct deposit.

$46 more than last years due to the COLA.

This was the 80th month of receiving my benefit!

Started at 64.