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2
Nov 2026

ACA Benchmark Up 13%: Do the Subsidy Cliff Math Now

Open enrollment for 2027 is live and benchmark premiums are up 13%. The 400% subsidy cliff is back: here are the exact cutoffs and a worked example.

1
Nov 2026

Extra-Hour Money Audit: A 60-Minute Checklist

The clocks went back last night. Spend the extra hour on a 60-minute money audit: subscriptions, fees, credit reports and pantry meals, worked example included.

31
Oct 2026

Holiday Funding Compared: Save, Charge, or Drift

The average household plans to spend 1,654 dollars this holiday season. Funded three ways, that same season costs 1,654, 1,877 or 2,736 dollars. Here is the comparison.

30
Oct 2026

FSA Spend-Down Math: What You Lose on Dec 31

Your 2026 health FSA balance is forfeited, protected up to $680, or safe to March 15 depending on one plan rule. Worked examples for four balances.

29
Oct 2026

Student Loan Autopay: 1 Percent Off by Dec 31

Enroll in federal student loan autopay by Dec 31, 2026 and keep a full 1 percent rate cut through June 2028. The checklist, the math, and the traps.

28
Oct 2026

Fed Decision Today: What a Hold Costs You

The Fed decides at 2 p.m. today, expected to hold at 3.75 to 4.00 percent with a December hike priced in. What that path costs on a card balance, in real dollars.