Social Security 2027 — Where Your Raise GOES

Social Security 2027 changes are official: a 3.6% COLA starting in January. But Medicare, taxes and the earnings limit all take a cut before the money reaches your bank account. Here's what you'll actually keep. In this video: the 2027 raise (average $2,095 → $2,170), what comes out first (Part B, hold harmless, taxes on benefits, the $6,000 senior deduction), the 2027 earnings limits ($25,560 / $67,920), full retirement age 67 for people born in 1960, spousal, survivor and divorced-spouse benefits, why your earnings record matters, and the real 2032 numbers from the Trustees Report. The official 2027 Part B premium had not been announced when this video was made (the Medicare Trustees projected about $209.50). CHAPTERS 0:00 Social Security 2027: what you keep 1:29 The 3.6% Raise 5:59 What Comes Out First 10:52 Still Working? 14:13 Age 67 & Couples 18:58 Know Your Number 22:35 Widowed or Divorced 26:19 The 2032 Question 29:59 Your 2027 Checklist