Author: David Thomas Coleman

If you’re over 65, your money is probably more steady than ever. You might have a pension, Social Security, and maybe some savings or investment income. But such steadiness can also make you an easy target for identity thieves. You might not even know that someone used your name to file a bogus tax return…

I know how you feel. You’re retired, but you might still be doing some consulting work, volunteering, or just living your life the way you want to. Then it’s tax time, and all the rules seem to be for someone else. The rules for cars are quite important. Is there anything you can deduct? Is…

To be honest, 2025 is not like other years when you had to pay taxes. If you’re over 65, there are big changes that will directly effect how much tax you pay and how much you can legally keep. Most seniors can now claim thousands of dollars in deductions without having to perform intricate tax…

Many folks who are about to retire have asked me, “Should I take Social Security early or wait?” And to be honest, the answer isn’t the same for everyone, but the stakes are bigger than ever in 2025. There are new rules. The Full Retirement Age (FRA) is getting closer. Inflation is still hurting people…

To be honest, budgeting isn’t new. You already know how to make a rupee or a dollar last if you’ve been in charge of a household, raising a family, or even running a small business for years. But 2025 has brought a new kind of problem. Costs of living are going up, medical expenditures aren’t…

If you’re a senior trying to file your taxes in 2025, I understand how things seem more hard than ever. Even the most organised people can feel overwhelmed by new tax credits, changes to retirement income laws, and the ongoing anxiety about scams or paying too much. And let’s be honest: a lot of retirees…

Let me be honest with you: a lot of people are having trouble with this question right now. Politicians might have said, “No more taxes on Social Security!” Or see headlines that say a “senior deduction” of $4,000 is coming. Sounds good, right? But here’s the truth: if your income isn’t low or you don’t…

The Thrift Savings Plan (TSP) could seem like one of those government perks you know about but haven’t actually looked into if you’re getting close to retirement or are already retired. I understand. It doesn’t stand out. But if you work for the government, are retired, or are in the military, this strategy could quietly…

If you’re planning to apply for Social Security this year, 2025 isn’t just “another” year. There are some real changes that could affect how—and when—you apply. Let me be clear: the basics of Social Security haven’t changed. You still need a certain number of work credits. You still have to decide when to start—early, full…

The Growing Crisis in Social Security Customer Service Social Security provides essential benefits to millions of seniors, but the system’s customer service has been struggling. Long wait times, lack of timely responses, and insufficient support have created a significant barrier for people trying to access their benefits. As the nation faces these growing challenges, the…