Author: Brian Lund
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Retirement Plans When You Work for Yourself
No employer 401(k)? Self-employed workers can shelter up to $72,000 in 2026 with a SEP-IRA or solo 401(k). How each plan works and which fits.
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The Child and Dependent Care Credit, Step by Step
Summer day camp can count toward the child and dependent care credit. Here are the qualifying rules, the $3,000/$6,000 limits, and the new 2026 rates.
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Behind on Rent? The Help That Still Exists in 2026
The big COVID-era rent programs are gone, but 211 referrals, local funds, HUD counselors, LIHEAP, and legal aid can still keep a missed month from becoming an eviction.
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Social Security’s 2026 Trustees Report in Plain English
The 2026 Trustees Report projects the retirement fund runs short in late 2032, paying 78% of benefits then. What that means, and doesn’t, for your check.
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What the May CPI Says About Rent Across the Country
May’s CPI put rent up 2.9% over the year, well below 4.2% overall inflation. What the shelter numbers mean for your lease renewal and negotiation.
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How to Open a my Social Security Account Safely
Opening a my Social Security account takes about 15 minutes and a photo ID. Here’s the safe way to set one up — and why claiming yours protects you.
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Recall Repairs Are Free: The Law Dealers Must Follow
Federal law makes safety recall repairs free on vehicles up to 15 years old. What dealers must do, the tire exception, and how to check your VIN tonight.
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Checking Account Fees: The Waivers Banks Rarely Mention
Most checking account maintenance fees can be waived — through direct deposit, a minimum balance, or an account the bank doesn’t advertise. Here’s how.
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The Direct Deposit Split: Saving Before You See It
One payroll form can route part of every paycheck straight to savings before you ever see it. How the direct deposit split works and how to set yours up.
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SALT Deduction Changes: The New Cap and Who Benefits
The SALT cap jumped from $10,000 to $40,400 for 2026, with an income phase-down above $505,000. Who actually saves money, and the math to check.