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foreign [Music] were going to talk about how the cost of living adjustment for 2023 is not going to begin in January youll start getting your payment and cost of living adjustment in December were going to talk about that as well as were going to look at some of the calculations that many of you are going to receive in regards to your cost of living adjustment in other words well get the chance to see how that 8.7 percent is going to impact you personally as well as were going to take a look at the Congressional calendar because many of us have forgotten Congress still has one major bill that they need to focus on and that is the national budget yeah theyre supposed to pass to September but they havent done anything about it since September were going to talk about what their calendar is what their plans are but before we go any further my name is Andrea mostly money and Im here to give you all facts no no phony and no fluffed up information