Hi, Friends!

There are two kinds of financial problems.

The first kind is obvious. A large bill arrives. A major expense comes up. You see it, you feel it, and you deal with it.

The second kind is quieter. It hides inside decisions that seemed fine at the time. It shows up on a statement weeks or months later. And by the time you notice it, the damage has already been done.

Both are completely preventable with the right information at the right time.

That is what this edition is for.

Warmly,
Mike Bridges

If you retire before Medicare begins at 65, managing your taxable income may matter just as much as managing your investments. In 2026, the ACA subsidy cliff returned — and earning one dollar above the limit can eliminate your entire premium tax credit. Not a reduction. All of it, at once.

This week, I walk through exactly what changed, what the income limits are, and what to do before December 31 to protect what you already have.

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A free trial that requires your credit card number is not a sample. It is a subscription with a delayed billing start date — and the company already knows exactly when that date is. Most people signing up do not.

This week I explain the four-step mechanics behind how free trials actually work, what the research shows about how much households lose to forgotten subscriptions every year, and the specific habits that prevent it from happening to you.

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