https://savingtoinvest.com Taxes, Refunds, Benefits & Retirement Limits Sat, 19 Sep 2026 18:29:37 +0000 en-US hourly 1 https://wordpress.org/?v=7.1.1 https://i0.wp.com/savingtoinvest.com/wp-content/uploads/2026/03/image.jpg?fit=32%2C32&ssl=1 https://savingtoinvest.com 32 32 77221918 https://savingtoinvest.com/the-20-qbi-deduction-is-now-permanent-do-freelancers-and-gig-workers-qualify/?utm_source=rss&utm_medium=rss&utm_campaign=the-20-qbi-deduction-is-now-permanent-do-freelancers-and-gig-workers-qualify https://savingtoinvest.com/the-20-qbi-deduction-is-now-permanent-do-freelancers-and-gig-workers-qualify/#respond Mon, 21 Sep 2026 10:54:00 +0000 https://savingtoinvest.com/?p=77372 If you freelance, drive for a rideshare app, or run any kind of side business as a sole proprietor, there’s a decent chance you can deduct 20% of your business profit before you ever get to the standard or itemized deduction. It’s called the Qualified Business Income (QBI) deduction, and…

The post first appeared on Saving to Invest.]]> https://savingtoinvest.com/the-20-qbi-deduction-is-now-permanent-do-freelancers-and-gig-workers-qualify/feed/ 0 77372 https://savingtoinvest.com/the-2027-28-fafsa-opens-october-1-whats-new-and-how-to-get-ahead/?utm_source=rss&utm_medium=rss&utm_campaign=the-2027-28-fafsa-opens-october-1-whats-new-and-how-to-get-ahead https://savingtoinvest.com/the-2027-28-fafsa-opens-october-1-whats-new-and-how-to-get-ahead/#respond Sat, 19 Sep 2026 15:25:00 +0000 https://savingtoinvest.com/?p=77502 The 2027-28 FAFSA opens to everyone on October 1, 2026, and it runs on your 2025 tax return. Beta testing for the form actually started August 5, 2026, but October 1 is when every family gets access. I went through what the Department of Education actually changed this cycle, and…

The post first appeared on Saving to Invest.]]> https://savingtoinvest.com/the-2027-28-fafsa-opens-october-1-whats-new-and-how-to-get-ahead/feed/ 0 77502 https://savingtoinvest.com/medicares-prescription-payment-plan-m3p-spread-drug-costs-into-monthly-installme/?utm_source=rss&utm_medium=rss&utm_campaign=medicares-prescription-payment-plan-m3p-spread-drug-costs-into-monthly-installme https://savingtoinvest.com/medicares-prescription-payment-plan-m3p-spread-drug-costs-into-monthly-installme/#respond Thu, 17 Sep 2026 07:54:00 +0000 https://savingtoinvest.com/?p=77373 If a single prescription fill ever hit you with a $400 or $800 bill at the pharmacy counter, Medicare has a free option that turns that into a smaller monthly payment instead. It’s called the Medicare Prescription Payment Plan — M3P for short — and a lot of people on…

The post first appeared on Saving to Invest.]]> https://savingtoinvest.com/medicares-prescription-payment-plan-m3p-spread-drug-costs-into-monthly-installme/feed/ 0 77373 https://savingtoinvest.com/2027-medicare-irmaa-brackets-will-you-pay-more-for-part-b-and-part-d/?utm_source=rss&utm_medium=rss&utm_campaign=2027-medicare-irmaa-brackets-will-you-pay-more-for-part-b-and-part-d https://savingtoinvest.com/2027-medicare-irmaa-brackets-will-you-pay-more-for-part-b-and-part-d/#respond Mon, 14 Sep 2026 19:53:58 +0000 https://savingtoinvest.com/?p=77371 If your income crosses one of six specific lines, Medicare charges you more — sometimes a lot more — for the exact same Part B and Part D coverage everyone else gets. That surcharge is called IRMAA, and I get more confused emails about it than almost any other Medicare…

The post first appeared on Saving to Invest.]]> https://savingtoinvest.com/2027-medicare-irmaa-brackets-will-you-pay-more-for-part-b-and-part-d/feed/ 0 77371 https://savingtoinvest.com/parent-plus-and-grad-plus-loan-changes/?utm_source=rss&utm_medium=rss&utm_campaign=parent-plus-and-grad-plus-loan-changes https://savingtoinvest.com/parent-plus-and-grad-plus-loan-changes/#respond Thu, 10 Sep 2026 14:00:00 +0000 https://savingtoinvest.com/?p=75111 Parent PLUS loans changed in a big way on July 1, 2026: parents can now borrow only $20,000 a year and $65,000 total per student, down from an effectively uncapped amount tied to the school’s full cost of attendance. Grad PLUS loans disappeared entirely for anyone starting a new graduate…

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