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.