With average mortgage rates now just over 6%, traditional refinancing may only deliver limited monthly savings for many homeowners. But strategic moves—like state down payment programs, energy-efficiency upgrades bundled with mortgages, and hybrid renovation loans—often result in bigger, longer-lasting financial relief. See the practical steps to layer incentives and plan your next best home savings strategy for 2026.

Enhanced ACA subsidies ended in 2026, sending health plan prices up for millions. See which new state programs, job-based coverage, or alternate insurance options are gaining ground—and how to compare what’s right for your household before enrollment deadlines close.

Medicare’s WISeR Model uses AI to screen prior authorization for some services in six states starting January 2026. See what changes you might expect—and which steps keep care on track if new systems delay or deny your procedure.

With corporate bankruptcies rising, households face real risk to budgets and credit. See what concrete credit strategies, benefit programs, and hardship options can shield your finances if major layoffs or disruptions strike.

CMS is expanding a Medicare & Medicaid GLP‑1 drug pilot that could soon help millions. See which savings and support steps families should take as coverage evolves state by state—and how to find out if new medication discounts apply to you in 2026.

Wage garnishment for defaulted student loans resumes January 2026. Learn how income-driven plans, rehabilitation, consolidation, and hardship claims can help you avoid or stop wage withholding. Explore new legislative protections and steps to safeguard your paycheck now.