You must pay back some of the ACA health insurance subsidy when your income is higher than estimated. See when you may benefit from the repayment cap.
Latest Blog Posts
How to Keep a Google Voice Number Permanent for 2FA
I use a Google Voice number for 2FA in all my financial accounts. Making the Google Voice number permanent puts it securely under my control.
2025 Social Security Cost of Living Adjustment (COLA) Projection
We project the Cost of Living Adjustment (COLA) for Social Security benefits next year under different scenarios. Retirees are better off with a lower COLA.
Ditch Banks — Go With Money Market Funds and Treasuries
Stop using banks and credit unions for cash savings. Use money market funds and Treasuries for better transparency and fairness.
2024 2025 Tax Brackets, Standard Deduction, Capital Gains, etc.
The tax brackets, standard deduction, and the capital gains tax cutoff point for single and married filing jointly filing statuses will go up in 2025.
2024 2025 401k 403b 457 IRA FSA HSA Contribution Limits
The contribution and income limits for workplace retirement plans, Traditional and Roth IRA, FSA, and HSA will go up in 2025 to adjust for inflation.
Brokerage Transfer Bonus Made Easy for Total Beginners
You can earn $5,000 by transferring a brokerage account for a bonus. Follow this guide if you’re interested but haven’t done it before.
Why I Stopped Chasing Bank and Brokerage Bonuses
Banks and brokerages offer bonuses to open new accounts or transfer assets. These bonuses work as advertised but I’m not chasing them.
2 Ways to Use Fidelity as a Bank Account
Fidelity offers account that can be used as a checking and savings account. Learn how to have free everything and earn a good yield from the first dollar.
Model Big Financial Decisions with MaxiFi Software
You can use MaxiFi online financial planning software to model big financial decisions such as retirement and housing. It’s is inexpensive and useful.