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The rules for collecting Social Security are changing in 2026. Two of the most important things to know if you’re collecting benefits: Your monthly check payments will increase, and if you’re planning on collecting benefits before retirement age and still plan to work, your checks could be reduced or even paused. For more on this, read on. The 2026 cost-of-living adjustment (COLA) will increase benefits Social Security benefits and Supplemental Security Income (SSI) payments for 75 million Americans will increase 2.8% in 2026, the Social Security Administration (SSA) announced on Friday. However, due to inflation and the skyrocketing cost of living, many retirees might not actually be getting more for their hard earned dollars. Each year the SSA announces a cost-of-living adjustment, known as COLA. Over the last decade, the COLA increase has averaged about 3.1%. This year’s increase is 0.3% greater than 2025’s 2.5% cost-of-living-adjustment, but far smaller than previous years with higher inflation, as CNN noted. So, how much does that add up to? For an average payment of $2,071, that’s an additional $56 a month, which will kick in this January, according to the SSA. Social Security is a promise kept, and the annual cost-of-living adjustment is one way we are working to make sure benefits reflect todays economic realities and continue to provide a foundation of security, Social Security Administration Commissioner Frank J. Bisignano said in a statement. The cost-of-living adjustment is a vital part of how Social Security delivers on its mission. What other changes are coming to Social Security in 2026? Also changing in January: The maximum amount of earnings subject to the Social Security tax (taxable maximum) is slated to increase to $184,500 from $176,100. And another noticeable change is on the horizon for working seniors who are collecting Social Security. Given the high cost of living, an increasing number of older Americans are still working into their golden years. Those who have reached full retirement age (FRA) can work without penalty. However, those who have applied for Social Security before reaching full retirement age (FRA) and are still collecting a paycheck may see those payments either reduced or paused in 2026, depending on how much they earn, and at what point they reach FRA, according to The Motley Fool. In 2025, the full retirement age was 67 (for those born in 1960 or later). People collecting Social Security while working, who were under the FRA for their age, lost $1 in benefits for every $2 they earned over $23,400 (or $1 for every $3 they earned above $62,160). However, in 2026, that threshold limit is expected to slightly increase from $23,400 to $24,360, and the $62,160 limit is increasing to $64,800meaning people can earn another $960 more next year without being penalized, per The Motley Fool.
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This week, news reports revealed that Meta would be cutting hundreds of jobs in its AI division. The layoffs will impact employees who work on AI products, research, and infrastructure. They come after Meta went on a hiring spree to shore up its AI efforts. But despite the job cuts, Meta’s chief AI officer told the Wall Street Journal that the company would, however, continue hiring “AI native” talenta term that seems to have quietly slipped into the corporate lexicon amid the AI arms race. For the last decade, the term “digital native” has been circulating to describe Gen Z, as many of them don’t know life without the internet. The cohort following them, Generation Alpha, is already being called “generation AI.” But surely that’s not what Meta means by “AI native,” given the oldest in that group is only around 15 years old. (Meta did not respond to a request for comment.) So what exactly does “AI native” mean? “I’ve noticed that popping up more and more,” says JR Keller, a professor of human resource studies at Cornell University’s ILR School. “My sense is what these companies mean when they talk about this are workers who integrate AI into every facet of their lives,” Keller says. “It’s almost like each one of these workers has a little invisible AI companion with them at all times.” Even in a tough job market, many companies are willing to pay top dollar for young workers who are deeply familiar with AIunlike senior employees who may need to be cajoled into adopting it. According to Keller, these workers practically speak a different language when it comes to their relationship with AI. “The way that I think of AI is: When are particular times when it would be useful?” he says. “When should I use ChatGPT? When should I allow Copilot to look at my emails? Or when should I turn Grammarly on? But it is always on with AI native people.” Jeffrey Bussgang, a general partner at the venture capital firm Flybridge, has said he frequently uses the term AI native to describe people who are “wildly adept at using a wide range of modern AI tools,” which in term enables to be far more productive than their peers. “AI-native companies are made up of a collection of AI-native employees who infuse AI into everything they doevery function, every process, and every role,” he wrote on LinkedIn. So if you’re seeing the term “AI native” circulate more and more in the discourse, it’s likely just referring to workers who look at everything through an AI lens first and foremost. And it’s not just AI startups or big tech companies like Meta who are seeking out “AI native” talent. For traditional employers who are struggling to adopt AI or use it effectively, bringing on workers with AI experience can be invaluable. And while they’re not as young as Gen Alpha, of course, they do tend to be the younger people in the workforce. Pew data released in June found that 58% of people ages 18 to 29 have used ChatGPT, the highest share of any age group. “The concept of the ‘AI native’ is increasingly real,” former Deloitte Consulting CEO Dan Helfrich said recently. “Leading organizations are empowering and unleashing AI nativesemployees who, by definition, are adept with AI but are typically among companies less experienced and less tenured employees.” Keller says it’s just a matter of time before more workers embrace the term to better position themselves while job hunting. “As you see companies use this, many people are going to start including that terminology in their LinkedIn profile, [like] ‘I’m an AI native programmer,'” he says. ‘Because they know then they’re going to pop up to the top of the search results.”
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This article is republished with permission from Wonder Tools, a newsletter that helps you discover the most useful sites and apps. Subscribe here.Not everything creative needs a prompt. The Web is increasingly flooded with AI-generated images and videos, much of it aimed at kids. Sometimes its nice to break free of that synthetic media. As a dad of 10 and 12-year-old daughters, I appreciate resources for kids and families that celebrate human imagination, curiosity, and hands-on exploration. I had a fruitful recent conversation about resources for kids with a fellow dad, Kevin Maguire, who writes the great newsletter The New Fatherhood. If youre a dad looking for great reads and a sense of community, check out Kevins newsletter. (Also read Recalculating, by Ignacio Pereyra). Kevin wrote the section below about simplifying screens and shared the tip about muted.io. The rest of the apps and resources below are ones Ive enjoyed in recent years with my wife and daughters. From coding with visual blocks to identifying plants on nature walks, these are some of our favorite tools for sparking creativity. Building brains without bots Scratch, developed at the MIT Media Lab, is a superb program for learning to code. Its fun and free for kids and adults. My daughters like assembling Scratchs visual blocks on screen to create interactive stories, games and animations. Its designed for kids 8 to 16. ScratchJr is a great alternative for kids 5 to 7. Free Dash Robot lets kids program it to move, light up, and make sounds. It teaches block coding, like Scratch, and our daughters enjoy making up their own instructions to send Dash on creative adventures. For kids 5 to 14. $180. Seek is one of our favorite family apps. Point the app at any plant, flower, animal, or bug you see on a walk to learn more about it. Its given us insight into much of the greenery (& critters) around us. iOS & Android. Free Sponsored message Guidde | Create how-to guides with AI Tired of explaining the same thing over and over again to your colleagues? Guidde is an AI-powered tool that helps you explain the most complex tasks in seconds with AI-generated documentation. Turn boring documentation into stunning visual guides Save valuable time by creating video documentation 11x faster Share or embed your guide anywhere Just click capture on the browser extension. The app automatically generates step-by-step video guides with visuals, voiceover, and a call to action. The best part? The extension is 100% free. Try it free Words that work wonders Libby lets you access thousands of free ebook or audiobooks with a free library card. It works for more than 90% of public libraries in North America, and Libby can be found in 78 countries worldwide. Free Khan Academy is the most robust online spot for helping kids with learning almost any school subject. Its completely free. No ads. Khan Academy Kids has great learning activities and games for kids 2-8. Its also free and ad-free, and its fun for both math and reading. Free Family screen time that actually works Common Sense Media | Wondering if a show, movie or video game is age appropriate? Get a quick sense of whether its a good fit for your family. Free Kanopy is a terrific free resource for educational videos, documentaries and classic films. Access it with your library card. A unique feature: watch Oscar-winning short films you wont find on other streaming platforms. Kanopy Kids is a curated collection for learning, less commercial than the kids section on Netflix. Free JustWatch | See which platform hosts a particular movie or show. Free Nex | Like a Nintendo Wii made for 2025, this video game systm gets our bodies moving with fun, non-violent, family-friendly games. It was easy to set up, pluging right into an HDMI port on our TV. Its a little bigger than a Rubiks Cube. We love playing with the Nex Playground Four of us can play together. We like the sports, dancing and trivia games. Some titles are just for little kids (e.g. Elmo, Peppa Pig), but most are engaging for older kids and adults. The device costs $249 with five included games. An $89 annual subscription gets you 40+ more games. Read my Fast Company interview [gift link] with Nexs founding CEO about how his game system has spread. Making music Chrome Music Lab Compose little tunes, even if you have no musical experience. Explore digital instruments and sound games. Save your favorite clips to share. Googles MusicFX is a fun alternative for generating music with a prompt. Free Metronaut This sheet music app lets kids play along with an accompaniment from an phone or iPad. It supports 20+ instruments ranging from strings and woodwinds to piano, guitar, and brass. $27/year on iOS. Metronaut lets you play with digital sheet music and an accompaniment Tomplay is another great sheet music app that works well on Android and iOS and includes a wider range of chamber music. I pay $82/year for it. muted.io has a vibrant collection of interactive tools and visual references to help kids or their parents absorb music theory. Free [by Kevin Maguire] Art adventures & creative experiments Tate Kids An Arty Playground. Play art games, watch cute videos, try out little projects, and stretch your artistic mind with this well-designed resource from one of the UKs great art museums. Free Make an animated drawing. Turn a sketch into a playful moving image. This service from Meta lets you turn coloring into animation. Free Draw A Fish. This simple, low-fidelity game lets you draw a little fish with your computer mouse, then see it swim on screen. Free Googles Arts & Culture Experiments include dozens of playful free apps for learning about the worlds of painting, sculpture, music, and more. Free Spark curiosity How to Raise a Reader by Pamela Paul and Maria Russo is a wonderful guide to fabulous books for kids. It grew out of this free NYTimes guide (gift link). As of this writing, its $9.51 on Amazon. The Week Junior is a terrific print magazine. Its aimed at kids 8 to 14, but my wife and I also enjoy reading it. The 32 colorful pages feature short curated stories about the news of the week. It also includes puzzles, a weekly debate, and photography pages. Cost: 25 issues/year for $49, or $59 for print + digital access. (See the magazine layout design) Simplifying screens, from Kevin Maguire Consider a Light Phone. Experiment with freeing yourself (and your kids) from smartphone addiction with a full-on dumbphone. Reviews for the 3rd edition have been glowing Wired gave it 8/10. $699 for version 3 or $299 for version 2. Try the Dumb Phone app. Simulate a simple device with an app that strips away everything but simple links to the core phone functions: camera, maps, calendar, and photos. Imitate a simple device without dropping $500 on the love child of a Nokia and a Kindle. Free or $10/annual; $30/lifetime. The Dumbest Phone Is Parenting Genius. A landline for kids? If its not too late, consider a tactic from Rheana Murrays Atlantic article: install a landline. Buy that hamburger phone you always dreamed of as a kid; go with a landline as a service company like Tin Can and their gorgeous house phones; or if youre more technically inclined roll your own VoIP line for a fraction of the cost. The bottom line: delay the start of smartphone life.
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