The $6,000 Senior Deduction (65+): How to Claim It, and What It Isn’t
The One Big Beautiful Bill Act added a temporary extra deduction of up to $6,000 for people 65 and older. It isn't a check, and it doesn't erase tax on Social Security. Here's who qualifies, how it stacks on top of your standard deduction, and how to…
Trump Accounts: The $1,000 Doesn’t Land in Your Bank Account
The $1,000 is real, but it is not a refund and it is not paid to you. Treasury deposits it into the child's account, and only the person who claims the child as a dependent can make the election. Here is what Form 4547 actually does.
SAVE Is Ending: Choose a Repayment Plan Within 90 Days
Doing nothing does not keep you on SAVE. It moves you onto a fixed plan billed against your balance, not your income — and the forbearance months you have already spent earned you no forgiveness credit.
No Tax on Tips or Overtime? What the Law Really Does
Tips and overtime are still taxable wages. What changed is a capped deduction, claimed on a brand-new form, that does nothing for Social Security or Medicare tax.
Claiming Social Security: 62, Full Retirement Age, or 70?
Claiming early is a permanent cut. Delaying past your full retirement age pays 8 percent a year — until 70, when it stops cold. Here is the arithmetic, and the earnings-test trap.
ACA Marketplace Subsidies After the Enhanced Credits Expired
The pandemic-era boost to premium tax credits ended on December 31, 2025. The regular credit did not. Here is what still lowers your premium, and how the enrollment windows really work.
SNAP Benefits: How to Apply, and What Trips People Up
SNAP is federal money handed out by your state, which is why the application confuses people. Here is the actual sequence — and the two steps where most claims quietly die.
Freeze Your Credit for Free: The Step-by-Step Guide
A freeze is free, does not touch your score, and blocks new accounts in your name. A credit lock is a paid product that sounds identical. Here is the difference, and how to do it at all three bureaus.
Where’s My Refund? How to Track It and Fix the Usual Delays
The IRS tool tells you less than people expect, and refuses you outright if one field is off. Here is how to read it, and what each common delay actually means.
How to Find Unclaimed Money the Government Is Holding for You
Billions sit unclaimed across state treasuries, old pensions and failed banks. There is no single database — here is the free, category-by-category way to check.