Elder Fraud in 2026: The Numbers Are Worse Than You Think
Yes, the numbers are worse than you think. In 2025, seniors age 60 and older reported $7.7 billion in losses to fraud schemes—a staggering 37% increase...
Category Strategies
Warning: Pension Advance Loans Can Carry Effective Interest Rates Above 100%
Yes, pension advance loans routinely charge effective interest rates that exceed 100 percent annually—some reaching as high as 200 percent when all fees...
New Study Found That Retirees With No HSA Strategy Pay $157,000 More in Medical Costs
The widely-circulated claim that retirees without an HSA strategy pay $157,000 more in medical costs doesn't appear to stem from a single published study.
He Took an Early 401(k) Withdrawal of $50,000 and Kept Only $35,000 After Penalties
When someone withdraws $50,000 from a 401(k) before age 59½, they don't actually receive the full amount.
Fact Check: Does Delaying RMDs Past 73 Protect You From Taxes? Here’s the Truth
No, delaying your Required Minimum Distributions (RMDs) past age 73 does not protect you from taxes—in fact, it exposes you to severe penalties that can...
At Least 37% of Veterans Are Leaving an Average of $12,000 Per Year in Benefits Unclaimed
Hundreds of thousands of veterans are walking away from thousands of dollars in annual benefits—not out of choice, but out of simple ignorance.
HSA Contribution Limits in 2026: What Most Americans Don’t Know Could Cost Them Thousands
Most Americans with health savings accounts don't realize they're leaving thousands of dollars on the table—or worse, unknowingly violating IRS rules that...
Warning: Rolling Over a 401(k) Incorrectly Triggers a 20% Mandatory Withholding
When you leave a job and have a 401(k) plan, rolling it over to an IRA or another employer plan can be a smart financial move—but only if you do it...
She Divorced at 58 and Found Out Her QDRO Cost $4,500 in Legal Fees She Wasn’t Expecting
Yes, a QDRO—a Qualified Domestic Relations Order that transfers retirement benefits in a divorce—can absolutely cost $4,500 or more in legal fees alone,...
Fact Check: Will Your TSP Account Keep Pace With Inflation? The Numbers Say No
No, your TSP account is not falling behind inflation—in fact, the opposite is true. The data from 2025 and early 2026 clearly shows that TSP accounts are...