What is the Definition of Wealthy? My mission is to share my unique Rich Habits research in order to add value to your life and help you realize increased wealth, superior health, abundant... Saving Advice · Jan 14
Medical Office Facility Fees Are Appearing More Frequently If you’ve recently visited your doctor’s office for a routine check-up only to find a mysterious “Facility Fee” on your bill that costs as much... Saving Advice · Jan 14
The $12,000 Loophole: How Married Couples Can Double the OBBBA Credit (If They Act by April) If you’ve heard whispers about a “$12,000 loophole,” you’re probably hearing about a new tax break tucked into the One Big Beautiful Bill rules for... Saving Advice · Jan 14
Medicaid Eligibility Erosion: How a Tucked-Away Rule in the Budget Is Dropping Lifeline Access for Older Adults A lot of older adults don’t lose coverage because they suddenly became “too wealthy” or stopped qualifying overnight. They lose it because the rules around... Saving Advice · Jan 14
The 183-Day Trap: 5 New Digital “Breadcrumbs” Blue States Are Using to Tax Florida Snowbirds in 2026 If you split your year between Florida and a higher-tax state, you’ve probably heard the warning: don’t get too close to 183 days. What many... Saving Advice · Jan 14
Beyond Food Stamps: 5 Secret 2026 Programs for Seniors Who “Make Too Much” for Traditional Aid If you are a senior living on a modest pension or a mid-sized Social Security check, you’ve likely encountered the “Middle-Class Cliff.” You make just... Saving Advice · Jan 14
The $185.00 Extortion: Why the 2026 Medicare Hike Systematically Erased Your COLA Raise If you opened your Social Security statement this January expecting a celebratory bump in pay, you likely felt a cold splash of reality instead. While... Saving Advice · Jan 14
Dave Says: It’s Still a Mountain of Debt Dear Dave, My wife and I own three commercial properties. They are all leased out long-term. Currently, we owe about $400,000 each on two of... Saving Advice · Jan 14
Why 2026 is the Year of the “Reverse COLA”: How Your Buying Power Just Dropped 1.1% If you’ve been waiting for your 2026 Social Security check to finally give you some breathing room, you might want to hold your breath. While... Saving Advice · Jan 14
The “Smart Meter” Audit: How New York is Using Your Utility Data to Prove You Aren’t Living in Florida If you are one of the thousands of New Yorkers who officially “moved” to Florida to escape high state income taxes, you might want to... Saving Advice · Jan 14
The SNAP Trap: Why Your $23 Social Security Raise Just Cost You $30 in Food Stamps The 2026 Social Security Cost-of-Living Adjustment (COLA) was supposed to be a lifeline for millions of seniors struggling with the persistent sting of inflation. For... Saving Advice · Jan 14
Is Your Retirement Plan Still on Track? How AI Tools Can Help You Reassess It’s a common misconception: once you’re approaching or in retirement, the planning is over. The reality is that a truly successful retirement plan is a... Saving Advice · Jan 14
The Schedule 1-A Snare: Why 1 in 4 Seniors Won’t Get the $6,000 OBBBA Tax Deduction The passage of the One Big Beautiful Bill Act (OBBBA) was heralded as a historic win for American retirees, promising a massive $6,000 tax deduction... Saving Advice · Jan 14
How To Start Investing For Women Investing Barbara Friedberg Updated : January 12th, 2026 Invest Like a Woman and Become a Millionaire by Investing Want to know the secret to building... Saving Advice · Jan 14
Saving Advice · Jan 14 Estate Planning Is Only for the Wealthy—True or False? If you think estate planning is only for the ultra-wealthy, you’re not alone, but you’d be mistaken. According to a 2024 Caring.com survey, only 34%...
Saving Advice · Jan 14 IRS Warning: The 2026 “Audit Alarms” Triggered by Routine Venmo and Zelle Transfers If you regularly use apps like Venmo, PayPal, or Zelle to split dinner checks with friends or send a birthday gift to a grandchild, you...
Saving Advice · Jan 14 The January 14th “Net-Zero” Autopsy: Why Millions of Social Security Checks Arrived Without a Raise If you woke up today and rushed to check your bank account for your first Social Security payment of the year, you may have experienced...
Saving Advice · Jan 14 The $2.00 “Raise”: A Step-by-Step Guide to Auditing Your Jan 2026 SS Statement for Errors If you recently checked your bank account and found that your 2026 Social Security “raise” was closer to the price of a cup of coffee...
Saving Advice · Jan 13 8 Financial Planning Questions Seniors Should Ask Now In the financial world, the only thing that stays the same is that everything changes. As we move through 2026, the strategies that worked five...
Saving Advice · Jan 13 Is 2026 a Good Year to Buy a Home? If you’ve been watching listings and rates, 2026 probably feels like a year full of “maybe.” Prices aren’t crashing, but they aren’t flying the way...
Saving Advice · Jan 13 Home-Warranty Fine-Print: Why Reviews for 55+ Owners Are Dropping — and What’s Being Omitted Home warranties sound like a comfort purchase: pay a predictable fee, avoid huge repair bills, and stop worrying about what might break next. But more...
Saving Advice · Jan 13 Bank Merge Hidden Fee: When Your Local Credit Union Gets Bought, Your Membership Loyalty Might Cost You Credit unions earn loyalty because they feel personal, predictable, and built for members instead of shareholders. Then a merger announcement hits your inbox, and suddenly...
Saving Advice · Jan 13 Some Credit Unions Are Ending Legacy Senior Account Perks Credit unions have long been the “friendly neighborhood” alternative to big-box banks. For decades, they’ve lured in retirees with the promise of “Golden” or “Silver”...
Saving Advice · Jan 13 10 Ways to Reduce Healthcare Spending Before Deductibles Reset January is often the most expensive month for retirees. Not only is the holiday “hangover” hitting your credit card bill, but your medical insurance resets...
Saving Advice · Jan 13 7 Medicare Appeals That Succeed More Often Than Expected Getting a denial letter from Medicare can feel like a door slamming in your face. Whether it’s a refusal to cover a specific medication or...