Retirement Planning 18 May 2026 - 14 July 2026

Baby boomers in the U.S. will hold nearly $90 trillion in household wealth by the end of 2025, over half the country’s total, but banks, brokers and consumer firms are more focused on their ready cash than net worth figures. Investopedia reported June 24 that average boomer net worth is above $1.6 million, with median net worth around $370,000.

Social Security’s funding issue is no longer just a long-term budget topic—it’s facing a political deadline. The main retirement trust fund is now seen running low by late 2032, according to projections. An independent Wharton model matches that estimate.

Mexican ex-employees are back to talking about Modalidad 40 this week after new explainers from Infobae, El Imparcial de Oaxaca, and N+ broke down the program’s rules and how much it could run. The program can raise a worker’s IMSS pension, but they have to pay in themselves and keep payments up. Its formal name is Continuación Voluntaria en el Régimen Obligatorio. Ex-workers who qualify can keep building up contribution weeks and set their own Salario Base de Cotización, which is what their future pension is based on.

Social Security is back under scrutiny after trustees said in their latest report that the Old-Age and Survivors Insurance trust fund could run out of money in the fourth quarter of 2032, moving up the estimate by a quarter from last year. If Congress fails to act, incoming revenue at that point would cover just 78% of the benefits owed to retirees and survivors. The same report says that if the retirement and disability trust funds are combined, the fund would last until the third quarter of 2034, but could only pay out 83% of scheduled benefits.

Social Security beneficiaries are seeing stronger inflation at a time when early estimates for next year’s cost-of-living bump are creeping up. The Consumer Price Index for Urban Wage Earners and Clerical Workers, the figure that drives Social Security and SSI benefit hikes, was up 4.4% over the year in May, the Bureau of Labor Statistics said.

Social Security recipients could see a bigger boost to benefits in 2027 as fresh inflation numbers put upward pressure on the formula used for annual cost-of-living increases. The Senior Citizens League pegs the 2027 COLA at 3.8%. That's a full point higher than the 2.8% raise that applied to 2026 checks.

Social Security’s main retirement fund is on track to run out of money by late 2032, according to U.S. trustees. Unless lawmakers make changes, the reserve supporting monthly payments for retirees and survivors will be depleted. Payroll taxes would still cover about 78% of promised benefits, which means a 22% drop in checks under current law.

Social Security’s main retirement and survivor benefits fund is now seen running out of reserves in late 2032, according to the latest trustees report Tuesday. If Congress doesn’t act, automatic benefit cuts would hit, and only about 78% of scheduled payments would go out based on incoming payroll taxes. That would affect millions.

Colorado’s Public Employees’ Retirement Association paid hefty bonuses to its investment team even though the fund lost $9.8 billion last year, according to a Colorado Sun analysis. That raises fresh scrutiny over the pension system while retirees’ payments trail inflation. Pension Policy International published the report on Tuesday. Meanwhile, the separate debate over executive pay at the UK’s Nationwide Building Society continues.

2027 Social Security bump may not get an early call, retirees told U.S. retirees are hearing not to expect an early call on a bigger 2027 Social Security increase, despite a high-profile estimate that puts next year’s cost-of-living adjustment at close to 4%.

Social Security’s main fund is on track to run short in about 2032, leaving retirees with about $500 less each month if Congress does nothing, according to a new report from the Committee for a Responsible Federal Budget. The group said this week that a 24% cut would drop average monthly checks by $459 to $556 in every state and Washington, D.C.

Social Security payments to U.S. retirees could drop by an average $500 a month if Congress doesn’t act before the program’s trust fund is depleted in 2032, according to the Committee for a Responsible Federal Budget on Wednesday. The Washington watchdog group said benefits would be cut 24% nationwide, with average monthly losses topping $500 in 29 states, from $459 in Mississippi to $556 in Connecticut.

Social Security’s cost-of-living adjustment could rise close to 4% next year, according to early estimates, putting millions of retirees in line for the biggest boost since 2023. The Senior Citizens League says its model shows a 3.9% COLA for 2027. Independent analyst Mary Johnson puts her forecast at 4.2%.

The Social Security Administration’s June payment calendar starts Monday with Supplemental Security Income and runs through June 24, setting up five deposit dates for retirees, disabled workers and low-income beneficiaries heading into the new month. The agency’s 2026 schedule lists June 1, June 3, June 10, June 17 and June 24 as the key dates.

Social Security’s next payment cycle kicks off Monday, the Social Security Administration’s 2026 calendar shows. Supplemental Security Income goes out June 1. Millions of Social Security beneficiaries get their checks later in the month.

Borrowing on a large scale to invest in stocks as a fix for Social Security would probably saddle taxpayers with more debt instead of saving the program, says a Boston College Center for Retirement Research study. The report, which got new mentions this week from Yahoo Finance, GuruFocus and policy analysts, found little support for the idea.

Social Security claimants who work before reaching full retirement age in 2026 get hit with a $24,480 earnings cap before their benefits get docked, according to new retirement-finance reporting out Monday. The rule means monthly payments can shrink even if the worker is still employed.