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This is just a PSA - When you or a loved one stops driving - DO NOT THROW AWAY YOUR LAST DRIVERS LICENSE even after it has expired.  You can use it still to identify yourself with your insurance info at the docs office.  Showing a picture ID at your docs office is a way to stop someone else from using  your Medicare and/or Medicaid.  So it is becoming common place for the medical establishment to get your picture ID and retain a copy of it with your insurance info.    In some states, this old expired drivers license can last a very long time; maybe forever.  If you have thrown it away, in many states, maybe all, IDK,  you can get a senior picture IDs at the DMV.  In some states if you are incapacitated in going somewhere to get it, they have mobile units that can get to you for this purpose - you just need to have your verifiable info ready - your old expired drivers license is such a document - so it is just good to keep it.&

I've had a funeral service business for 40 years and I like working with the people and working, but I'm getting to retirement age and think I will have to sell.  Is anyone in a similar situation where they have a company are seriously thinking about selling?

Taxes on sales of property  

We moved to consumer cellular in 2022. The service has degraded to the point of being unusable as of July 2026. Tech support is poor. The coverage in So. California is poor at best. Tech support makes excuses to the ATT partner services (towers) they rely on. Customer service support is a joke. We had a supervisor actually hang up during a call when we asked for his supervisor. They read from scripts, and have little knowledge when it comes to coverage issues. BEWARE OF CONSUMER CELLULAR!!!!

My husband and I have found ourselves just a few years from retirement and realizing our adult children are not yet financially independent and struggling in today's economy. Can any of you relate to this? The hardest part is having the conversations related to finances and the potential impact these could have on our relationships. We know we have to take responsibility for our own retirement future, but want to be able to support them in achieving their own financial success and happiness. Really want to connect with people who are sharing a similar life experience and navigating this challenging circumstance.

My wife started taking early Social Security benefits at age 62. She has a part time job. We know there is a 2026 income limitation of $2,040 per month. If her income exceeds that amount in a given month, she won't receive any Social Security benefits for that month. She receives a paycheck every 2 weeks. Each paycheck is for the amount she worked the 2 weeks prior to receiving her paycheck. She will get 3 paychecks this month (July): July 3, 17, and 31. The July 17 paycheck is for the 2 weeks she worked at the end of June and early July. How does Social Security calculate monthly earnings for the limitation test? Here are her July paycheck dates and the associated pay period dates:July 3 paycheck: June 14 - June 27July 17 paycheck: June 28 - July 11July 31 paycheck: July 12 - July 25 We've done some online research, and have found conflicting answers that state the monthly income limitation is based on either (1) when the earnings occur or (2) when the earnings are paid

My wife will be 67 yrs old this sept, she want's to file for he SS now but will still continue to work full time she has medical insurance from work does she have to apply for medicare now or when?

Don’t get too excited - this really isn’t about fixing anything - CBS News - 07/14/2026 - Senators introduce bipartisan plan to tackle Social Security insolvency  from the link ~The legislation, called the Promise Act, would not itself raise taxes, reduce benefits or change eligibility. Instead, it would direct the bipartisan, seven-member Social Security Advisory Board to draft a bill, informed by public input, to keep the program's trust funds solvent for at least the next 50 years. That is really all that was new in the article - the rest was rinse and repeat - And it seems some that are making this proposal aren’t even gonna be around to see what happens since they are leaving the Senate one way or the other. That must be the only place they can find the “bipartisanship”and this has been suggested before and we have had numerous commissions set up to do the same thing under various administrations -  I think this must be a JOKE -  &

▶️To reply, click on reply button at bottom of this post. Enter your text. Click reply button again.◀️ ***READ comments and/or ADD a comment*** (1) Still WORKING - what are YOUR concerns while planning? 🤔 (2) RETIRED - YOUR concerns? 🤔 Thanks, Nicole 👴👵 (Retirement Forum)

claiming Social Security early has a benefit that is rarely discussed. The combined annual benefit for my wife and I is about $45,000. Drawing this amount instead of withdrawing this from our IRA, allowing this amount to grow within the IRA. If invested in an S&P 500 ETF, this has earned roughly 15% each year for the past 3 years. In addition, the COLA has been 8.7% in 2023, 3.2% in 2024, and 2.5% in 2025. The ability to keep the equivalent amount of SS payments invested should be a consideration in everyone’s decision for when to claim early vs waiting to claim SS at full retirement age. My breakeven for claiming early is around 90 years of age, due to the investment returns… my recommendation is to claim early and stay invested!!!

AARP Link:  ConsumerCellular.com/4346 So I've researched this offer and decided its not for me!  Why?  Because you will be on a very low priority on ATT or Tmobile cell service.  That's how they can offer these cheap cell phone service offers.  The phone service on AT&T may be good in your area, but in times of heavy service you will be downgraded from 5G (if you are even getting that) down to 4G and THEN very slow bandwidth or no service at all.  This of course happens in times of Emergency or local outages in cell towers.  They give priority to their regular subscribers - of course.  Consumer Cellular is an MVNO (mobile virtual network operator) as described below.  I want my family to have the security of reliable cell service so I'm sticking with Verizon - at least for now.  This is another example of AARP giving seniors a "great offer" without disclosing what you may be giving up and the lower level of service that you wil

Yesterday I got a first class letter from a mortgage servicer I've never heard of, with the heading "We're your new mortgage servicer!" on the front. It's addressed to someone I never heard of at my address. I haven't opened it, but it looks like an invoice for a monthly mortgage payment. I checked my texts. My real mortgage servicer just sent me a notice that they're about to withdraw my monthly mortgage payment from my bank account, as usual. I logged in to my account; no notice about a change of mortgage servicer there. This smells like a scam to me, but I'm darned if I can see what it is. Any advice? Should I return to sender? Burn it? Turn it over to the Post Office?

Hello! I'm new to this community. How many of you pre-retirees or retirees are still supporting adult children? I'd love to know your story and if you've had success making money online?

AARP is advertising a supposed great deal where they will give you one year of membership for $15 if you sign up for automatic renewal at whatever the price will be next year. WHAT A RIP OFF!!!! And from an organization that is supposed to protect its membership from RIP OFFS. I renewed recently and by calling to negotiate my membership fees, I got renewed at $9 a year for 5 years WITHOUT having to agree to automatic renewal, a 40% savings over their supposed great deal they are presently running. I negotiate all subscriptions. I get Time magazine for a three year period at $10 a year saving hundreds over what the offers are. I have gotten XM Radio for hundreds less than their membership offers. My landline phone (yes, I am old fashioned) was just re-negotiated at 30-40% off advertised rates.  But there is one difference between AARP and the other examples. The other examples are for profit entities and do not have as a policy protection of their constituency.&

trying to help a friend and her elderly mother (100 y/o) with a financial issue.  the mother maintains an AT+T land line...attempts to move her to a smartphone have been unsuccessful.  the daughter knows she can manage the landline if an emergency should arise.they maintain the landline AND ITS $75 MONTHLY CHARGE for an emergency which may or may not arise.I reached out to AT+T to see if assistance was available.  AT+T did appear on the findhelp.org with a Lifeline assistance program.  However, 2 calls ended with the same result:  they do not provide assistance.I know - the mother should just drop the landline and save the money.  BUT the same can be said of AT+T.  they should just drop the service and stop taking the money.  its $75 a month and year to date they have made 0 calls on the line.  AT+T is providing nothing and taking retail fees.does anyone know of a credible means for this senior who is low-income save on a landline bill???fin

Hello everyone,1- Is it possible to get a transcript of the Video ?2-I am collecting. Social Security already, my wife has turned 65 and was exploring the spousal benefit.My question:If my wife takes her Spousal Benefit now ( 65 years and 2 months), can she claim her Full Retirement Age Benefit at 67, which will. be higher than the Spousal Benefit she will get, or, Since she took Spousal benefit at 65 years and 2 months, she will be "stuck" with that amount even when she attains Full Retirement Age ?Thanks for the inputs and insightsRao

I switched to Consumer Cellular via AARP. While vacationing in Mexico, I could not make calls, take calls, send texts or receive texts. I could not log into their web site to get help. Needless to say, Consumer Cellular was a total let down for this Senior citizen. THEN, as soon as I got back to the States, I went and switched back to the cell service I had before. I paid the balance for the usage and owed NOTHING MORE. I switched at the start of a new billing cycle and Consumer Cellular wants me to pay for the whole month. The only reason I used them at the start of the new billing cycle was to get the exit codes to this HORRIBLE service. I will NOT pay for services NOT RENDERED. SENIORS BEWARE of CONSUMER CELLULAR.

I am 57 years old and still working full time,  living on my own. My sister is 54, in poor health, and lives with my mom. Our mother is soon to turn 81, in reasonably good health, or at least has way less medical issues than her youngest daughter. Are there any benefits from SSI or anywhere for my mother, since she is caring for her child, or are caregiver benefits only for children caring for aging parents? Who would be a good source to even ask?

Will the AARP Federal Tax Calculator for estimating taxes be updated to reflect the new tax laws that were just passed? If so, when will that happen?

For reasons I don't know, two attempts to make a purchase were "denied".Subsequently, I received an eMail from each issuer asking whether it was I trying to make a purchase. Yes. There was no fraud but I appreciate the protection despite the considerable inconvenience.

 Has anyone collected their $400 bonus after 120 days of maintaining the required balance?  I called them today and asked when I'd be credited my bonus.  Their answer was I'd have to wait up to and additional 60 days and the bonus is only $200.  This is the AARP bonus information as of 6/23 showing $400 and nothing about a +60 day waiting period!  https://www.aarp.org/membership/benefits/finance/select-savings-from-barclays/?msockid=0017ee41565068e70f1bf8b5577d6968 

Just introduced: "H.R. 9064: To amend the Internal Revenue Code of 1986 to temporarily increase the capital gains exclusion for any qualifying senior who sells a principal residence during a qualifying year, and for other purposes." I'm a 33 year Pasadena homeowner and am now retired and looking to move to a life care community but am facing a huge amount of capital gains that will make it difficult for me to afford. I understand that the $250,000 exclusion for a single person covered a good amount of the tax bite in the past, but now it's woefully inadequate to fund retirement. I think it's totally reasonable to grant a higher exclusion. I hope we can help it to pass, and perhaps even make it permanent.

I recently received a "welcome to Venmo" email in my gmail account.  I didn't think much of it (I get a lot of spam in that account).  But later I thought, "wait, I've been a Venmo user for years, I shouldn't be getting a welcome email."  Sure enough, after checking it appears that someone has used my gmail address to help set up a new Venmo account.  I've reported to the FTC.  Changed all passwords for my online accounts.  Froze all credit reports.  I tried reporting to Venmo, but good luck with that: intercepted at every turn by a "beta" AI agent that doesn't seem to understand how to handle this type of situation, beyond sending me back to the help page.  The "contact us" also tends to loop around back to the help page or the AI agent.  The phone voice menu also has trouble with this type of situation and wants me to try chat (with the AI agent).  In the meantime, the scammer WAS more adept.  He/she appears to have set up the ac

This is the summary - the full report can be accessed by the link on the top or left of the page. Offered without comment. 2026 Social Security and Medicare Trustee Report Summary   

My wife and I are both retired, both upper 60’s, and both have SSI accounts, but haven’t started taking them yet. I’m reasonably healthy, but she is too, and statistically, she’s likely to outlive me. My proposed benefit payment is considerably more than hers. I wasn’t going to start taking benefits until I had to (ie 70 1/2 currently?), since we are fairly comfortable financially, and my benefit will increase if we wait. Also, our understanding is that if I die first, as a surviving spouse she gets to receive my benefit…but not *both* mine and hers. So we’re thinking, in a practical sense, we maybe should have her start taking her benefit now, since if if I get hit by a truck next year, at that point she effectively loses her benefit (and switches to mine). Does that make sense? Do we have our facts right?