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A new year brings a sense of possibility. It’s a natural time to reset routines, revisit priorities, and build habits that support long-term peace of mind. While financial goals often focus on big milestones, the habits that truly make a difference are usually simple, consistent, and intentional. As the year begins, here are five smart financial habits worth building—not for perfection, but for progress. 1. Review Where Your Money Is Going You don’t need an elaborate spreadsh

The Medicare Annual Enrollment Period (AEP) has officially closed, and for many seniors, the rush of phone calls, plan comparisons, and last-minute decisions is finally behind them. But even though AEP is over, your Medicare planning isn’t. The months following AEP are some of the most important for ensuring your coverage is correct, your benefits are fully understood, and you’re positioned for a smooth year ahead. Here’s what every Medicare beneficiary should do next. 1. Rev

When it comes to managing healthcare costs, I have found that Health Savings Accounts (HSAs) offer a smart and practical way to save money while preparing for future medical expenses. HSAs are not just savings accounts; they come with unique tax advantages that can help you keep more of your hard-earned money. In this post, I will walk you through the key benefits of HSAs, explain how they work, and share some tips to make the most of them. What Are Health Savings Accounts? A

When unexpected health issues arise, the financial impact can be overwhelming. Hospital stays, surgeries, and treatments often come with high costs that may not be fully covered by your primary health insurance. This is where hospital indemnity coverage can play a crucial role. It offers an additional layer of financial protection, helping you manage expenses and focus on recovery without added stress. In this guide, I will walk you through what hospital indemnity coverage is