User Posts: Kerri Foley
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Why the IRS Targets Middle-Class Earners More Than the Wealthy (And How to Avoid Being a Statistic)
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You work hard. You pay your taxes. You follow the rules.So why does it feel like the IRS has a target on your back?Here's the uncomfortable truth: If ...

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The Lazy Investor’s Guide to Building Wealth: 7 Index Funds That Pay Off Big Time
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Want to grow your money but hate spending hours researching stocks? Most people feel overwhelmed by complex investment choices and market jargon.The fear ...

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HSA is the New Roth: 7 Plays to Turn Medical Costs into a Tax Win
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A specter haunts modern retirement planning, one that grows larger and more menacing with each passing year. It is not the volatility of the stock market or ...

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The $172,500 Problem: Build a Health-Care Bucket Without Oversaving
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A 65-year-old retiring in 2025 faces an average healthcare bill of $172,500, a figure that has more than doubled since 2002.This escalating cost serves ...

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Medicare Part B at $185: 10 Ways to Shrink What You Pay (and Dodge IRMAA Surprises)
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The Centers for Medicare & Medicaid Services (CMS) has announced that the standard monthly premium for Medicare Part B will be $185.00 in 2025, a notable ...

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How I Escaped the $75K Middle Class Trap in 18 Months
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I made $75,000 a year.And I felt broke.Not "can't pay rent" broke. But "can't save money, can't plan for the future, constantly stressed about bills" ...

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You’re Not Poor, You’re Just Middle Class (And That’s the Problem)
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You make six figures. You have a college degree. You work 50 hours a week.So why does it feel like you're one car repair away from disaster?Here's ...

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The RMD Trap at 73: The One-Year Timing Mistake That Can Cost You Thousands
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The IRS offers a "grace period" for your first Required Minimum Distribution (RMD) at age 73, allowing you to delay it until April 1 of the following year....

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Beneficiary Blunders: Fix These 7 Forms Before It’s Too Late
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A staggering gap exists between financial prudence and end-of-life preparedness. While many Americans diligently save and invest, a significant majority leave ...

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The ‘Paycheck’ Portfolio: Turn Savings into Steady, Monthly Income
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Here's something most retirees don't know: The average American retiree lives on about $5,000 per month. But they actually need between $7,500 and $8,500 to ...

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