At the start of 2026, Social Security benefits received a 2.8% cost-of-living adjustment. The Social Security Administration estimates the average Social Security retirement benefit at $2,071 per month. But if your retirement income needs a boost, you should definitely consider working in some capacity. If your monthly Social Security checks aren't providing you with enough income to cover all of your expenses, that's understandable. Rather than continue to struggle, explore ways to boost your retirement income and buy yourself a lot more breathing room.