High-yield savings accounts (HYSAs) are insured by the Federal Deposit Insurance Corporation or the National Credit Union Administration up to $250,000, per depositor, per insured institution.
Loneliness is more common among older adults because they're often not in contact with people through routine activities like work. Isolation is associated with increased risk of heart disease, dementia, stroke, depression and premature death.
As you age, your body gets less efficient at repair and recovery, as your: Immune system gradually loses some of its resilience Digestion slows Chances of chronic conditions like heart disease, type 2 diabetes, and osteoporosis increase Retirement can also impact your health in complex ways. While stepping away from work often reduces stress, it may lead to less physical activity and fewer social interactions-both of which can raise your health risks.
Social Security benefits rose by 2.8% in January 2026, adding roughly $56 per month to the average retiree's check. Year-over-year inflation is running at 2.2%, which means the COLA is actually outpacing current price increases by a small margin. The catch is Medicare. Medicare Part B premiums increased in 2026, and since those premiums are deducted directly from your Social Security payment, some of that $56 gain disappears before it reaches your bank account.