History-making moments aren't all they're cracked up to be.

The most anticipated day of the year is rapidly approaching for the nearly 70 million beneficiaries who took home a traditional Social Security benefit in July.

On Oct. 15, the Social Security Administration (SSA) will reveal what's expected to be a flurry of changes to the program in 2026, including the most prominent of all: the cost-of-living adjustment (COLA). With most retired workers reliant on their monthly check, in some capacity, to meet their expenses, knowing how much they'll receive in the upcoming year is of paramount importance.

Although Social Security's 2026 COLA is on pace to make history for the first time in nearly three decades, all signs point to most beneficiaries facing something of a double whammy n

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