Millions of Americans are bracing for a pivotal shift as the new Social Security COLA quietly reshapes their monthly budgets, promising a modest bump that could still mean the difference between filling a prescription or skipping it, paying the heating bill or falling behind. With increases spread unevenly across retirees, disabled workers, survivors, and SSI recipients, many are asking whether this 3.2% boost truly keeps pace with the rising cost of everyday li… Continues…