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Dave Says: They’re Manipulating Your Feelings
Dear Dave,Our daughter is 27, and she’s been married for three years. We’ve been helping her and husband financially quite…
Will IRMAA Push Your Part B Premium Higher Than Your Raise This Year?
Image Source: 123rf.comMedicare premiums aren’t one-size-fits-all. Higher-income retirees pay extra through Income-Related Monthly Adjustment Amounts, better known as IRMAA. While…
10 HSA Power Plays That Cover Real Medical Bills in Retirement
Image Source; 123rf.comHealth Savings Accounts (HSAs) are among the most powerful retirement tools. They combine tax-free contributions, growth, and withdrawals…
9 Long-Term-Care Myths That Blow Up Family Budgets
Image Source: 123rf.comLong-term care is one of the biggest financial wild cards in retirement. Nursing homes, assisted living, and in-home…
7 Retirement Savings Milestones You Must Hit by Age 55
Image Source: 123rf.comReaching your mid-50s is a turning point in retirement planning. By this age, your savings habits should already…
7 Debt-Consolidation Mistakes That Wreck Good Credit
Image Source: 123rf.comDebt consolidation sounds like a relief strategy: combine multiple balances into one lower-interest loan. But retirees and families…
Will Your Credit Utilization Spike After Your Card Slashes Your Limit?
Image Source: 123rf.comCredit utilization—the percentage of available credit you use—drives your score. But many borrowers forget their bank controls the…
10 Student-Loan Tactics Borrowers Wish They Tried a Year Ago
Image Source: 123rf.comStudent loans remain one of the biggest financial burdens for Americans. Even retirees are impacted, either carrying balances…
Why the Debt Snowball Method Is Best for Your Mental Health and Money
When I finished graduate school, I had $72,000 in student loans weighing me down. But less than a year after…
8 Refinance Triggers That Save Big—If You Act Before Rates Move Again
Image Source: 123rf.comRefinancing can feel like chasing interest rates, but timing isn’t the only factor. Certain life or financial changes…
