Updated for September 2026

Your Personal Finance Guide to Tax Refunds, Retirement Plans & Government Benefits

Updates on IRS refunds and taxes, 401(k) and IRA changes, unemployment benefits, and government programs

The 20% QBI Deduction Is Now Permanent — Do Freelancers and Gig Workers Qualify?

If you freelance, drive for a rideshare app, or run any kind of side business as a sole proprietor, there's a decent chance you can deduct 20% of your business profit before you ever get to the standard or itemized deduction. It's called the Qualified Business Income (QBI) deduction, and…

The 2027-28 FAFSA Opens October 1: What’s New and How to Get Ahead

The 2027-28 FAFSA opens to everyone on October 1, 2026, and it runs on your 2025 tax return. Beta testing for the form actually started August 5, 2026, but October 1 is when every family gets access. I went through what the Department of Education actually changed this cycle, and…

Medicare’s Prescription Payment Plan (M3P): Spreading Drug Costs Into Cheaper Monthly Installments

If a single prescription fill ever hit you with a $400 or $800 bill at the pharmacy counter, Medicare has a free option that turns that into a smaller monthly payment instead. It's called the Medicare Prescription Payment Plan — M3P for short — and a lot of people on…

2027 Medicare IRMAA Brackets: Will You Pay More for Part B and Part D?

If your income crosses one of six specific lines, Medicare charges you more — sometimes a lot more — for the exact same Part B and Part D coverage everyone else gets. That surcharge is called IRMAA, and I get more confused emails about it than almost any other Medicare…

Parent PLUS Loans Got Capped at $20,000 a Year — Here’s What Changed and What to Do Instead

Parent PLUS loans changed in a big way on July 1, 2026: parents can now borrow only $20,000 a year and $65,000 total per student, down from an effectively uncapped amount tied to the school's full cost of attendance. Grad PLUS loans disappeared entirely for anyone starting a new graduate…

The Social Security Fake Call Transfer Scam – How It Works and How to Shut It Down

The Social Security Administration (SSA) recently issued a fresh warning about a scam making the rounds: the "fake call transfer." A caller posing as a retailer, tech support line, or another government agency tells you they're "transferring" your call directly to Social Security — and then a second scammer picks…

Social Security’s Compassionate Allowances List Just Grew to 314 Conditions — Does Yours Qualify for Fast-Track Approval?

Social Security's Compassionate Allowances list grew to 314 conditions on August 11, 2026, after the agency added 14 more diagnoses that qualify for near-automatic, fast-tracked disability approval. If you or a family member has one of these conditions, it can mean the difference between waiting days for a decision instead…

Medicare Open Enrollment 2027: Key Dates, New Rules, and How to Actually Compare Plans

Medicare's Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026 — the annual window when you can switch Medicare Advantage plans, change Part D drug coverage, or move between Original Medicare and Medicare Advantage. This year's window comes with more than the usual "review your plan"…

Continuing Disability Review: What It Actually Means If SSA Is Checking Your SSDI or SSI Again

Getting a letter that says Social Security is reviewing your disability case again can feel like the beginning of the end of your benefits. For most people, it isn't. A Continuing Disability Review (CDR) is a routine, legally required check-in — not an accusation, and not a sign SSA thinks…

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