The Federal Reserve has lowered its benchmark interest rate three times this year and may hold rates steady in 2026. Social Security COLAs are unaffected by Fed rate decisions. A recent study reveals one habit that doubles retirement savings and turns dreams into reality. Fed considers holding rates based on economic conditions. Inflation and unemployment moderate in 2026, signaling a “wait and see” approach for the Fed. Interest rate stability could benefit borrowers and savers in 2026. Social Security COLAs unaffected by rate changes, but could impact future raises. Fed’s minor rate cuts unlikely to significantly impact borrowing rates. Fed remains cautious on 2026 rate decisions, no impact on upcoming Social Security COLA. Americans need to save more for retirement, study shows one habit doubles savings easily.

Read more at Yahoo Finance: What Happens to Social Security’s Cost of Living Adjustment (COLA) If the Fed Leaves Rates the Same?