Grant Sis Nia

Grant Sis Nia I sat at the table where they decided who gets money. Our people kept getting turned away. So I flipped the table.

Tax lien sales can transfer a home over a debt worth a fraction of its value. The Supreme Court ruled in 2023 that count...
10/03/2026

Tax lien sales can transfer a home over a debt worth a fraction of its value. The Supreme Court ruled in 2023 that counties can't keep the surplus, but the house can still be lost.

Should long-term owners get stronger protection?

Medicaid, SNAP, and SSI all require periodic recertification with income and asset verification. One missed letter can e...
10/03/2026

Medicaid, SNAP, and SSI all require periodic recertification with income and asset verification. One missed letter can end benefits for someone who still fully qualifies.

Should recertification be automatic for retirees on fixed incomes?

The Part B premium is deducted straight from the Social Security check, and in several recent years the premium increase...
10/03/2026

The Part B premium is deducted straight from the Social Security check, and in several recent years the premium increase swallowed most of the COLA before it ever landed.

How much of your last adjustment did you actually keep?

Payroll taxes come out of every paycheck, then up to 85% of Social Security benefits can be taxed again in retirement. T...
10/03/2026

Payroll taxes come out of every paycheck, then up to 85% of Social Security benefits can be taxed again in retirement. Those thresholds were set in 1983 and never indexed to inflation.

Index the thresholds, or scrap the tax entirely?

10/03/2026

What these five share is that each one belongs to a different clock, which is why people miss them. Medicare and ACA enrollment close in December because coverage starts January 1. The 401(k) deadline is December 31 because it runs through payroll. IRAs and HSAs get until April 2027 because you fund those yourself, so the IRS ties them to the filing date instead. FSA money is the exception that punishes you, since anything above the carryover is simply forfeited.

Which deadline sneaks up on you every year?

Roughly one in five older adults reports skipping or stretching medication over cost, and winter heating bills can run s...
10/03/2026

Roughly one in five older adults reports skipping or stretching medication over cost, and winter heating bills can run several hundred a month. Both are survival expenses, and a fixed income rarely covers both.

Has a bill ever forced you to delay a prescription?

10/03/2026

Every number here rose for a reason: the limits are indexed to inflation, so standing still each year quietly shrinks what you're saving. The 401(k) moved to $24,500 and IRAs to $7,500, the age 60 to 63 catch-up adds $11,250, and the Saver's Credit pays up to $1,000 for contributing while under $40,250. The Roth flexibility matters most, since knowing your contributions stay reachable is what makes people willing to lock money away at all.

Which one are you using this year?

10/03/2026

What these five share is that each one moves money without the tax system treating it as income. Gifts up to $19,000 per person in 2026, home sale profit up to $250,000 single or $500,000 married, leftover 529 funds into a Roth IRA, a spousal IRA funded by the working partner, I bonds up to $10,000 a year. None of them are loopholes. They're deliberate exceptions, and they go unused mostly because nobody is paid to explain them.

Which of these had you never heard of?

Members of Congress have access to the Office of the Attending Physician and dedicated staff for constituent issues. Mos...
10/02/2026

Members of Congress have access to the Office of the Attending Physician and dedicated staff for constituent issues. Most voters get hold music and a six-week wait.

Would policy move faster if they waited in the same lines?

10/02/2026

A Trump Account is structured as a traditional IRA for a child, which explains most of its rules. Contributions are after-tax and capped at $5,000 a year, employers can add $2,500 without it counting as the family's income, and the money stays locked until 18. The $1,000 federal seed applies to children born 2025 through 2028, and as of May 2026 you can file the election through your IRS Individual Online Account instead of waiting for tax season.

Are you opening one for your child?

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