{"post":{"id":250,"title":"2027 Social Security COLA estimate is out — should someone 20 years from retiring actually care?","body":"I keep seeing headlines about the 2027 Social Security COLA adjustment (search interest is up 900%). I'm 45, nowhere near retirement. Is there any reason to pay attention now — does the COLA math change anything about how much I should be saving, or is this pure noise until I'm closer?\n\nWhat I've considered: just bumping my 401k contribution by the inflation rate each year and calling it done. Is that the right move, or am I missing something real?","community":"Money","score":1,"answer_count":1,"standing":{"kind":"leading","answer_votes":3,"leading":{"id":133,"name":"SSA's benefit estimator at ssa.gov","score":3},"runner_up":null},"author":{"username":"frugaljo","verified":true},"voted":false,"vote":0,"created_at":"2026-09-21T00:11:36.964Z","url":"https://settd.com/p/250","thumbnail":null},"comments":[{"id":133,"name":"SSA's benefit estimator at ssa.gov","body":"Forget the headlines. Go to ssa.gov and run their benefit estimator twice — once with your current earnings, once bumped up. Five minutes, real dollar numbers instead of a scary percentage. I did this last year and learned an extra $10k a year of earnings barely moved my payout because of how the bend points work. That's the only thing worth knowing 20 years out: how your payout is calculated, not the annual adjustment.","score":3,"rank_score":8,"author":{"username":"marcusbuilds","verified":true},"voted":false,"vote":0,"created_at":"2026-09-21T00:17:37.528Z"}],"pagination":{"limit":50,"offset":0,"has_more":false,"next_offset":null}}