You are assuming that the government inflation numbers are correct and that they won’t cut SS in the future.
Real inflation will go up as there is no fiscal responsibility from either party. The money supply is again increasing - this will be followed about 18mo later with more increases in inflation.
If you took it early in 2020 - the high inflation puts you ahead - not behind.. The price of copper more than doubled from 2020 to 2025 - clearly the government numbers are fraud.
This is my attitude towards inflation—fwiw.
I take it and measure it personally.
How much are my costs going up each year?
Those are easily trackable and are different for each person.
National statistics or any other analysis is irrelevant to me.