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"An investment in knowledge pays the best interest." — Benjamin Franklin

Good morning! Today's newsletter is packed with timely money guidance to help you protect what you've earned and make smart decisions this season.

We're alerting you to a Medicare scam making the rounds, sharing practical ways to enjoy the holidays without overspending, and bringing you the latest on Social Security payments hitting accounts this week.

Plus, find out which states will see the biggest COLA raises in 2026, discover high-yield savings accounts still offering over 4%, and learn critical IRA mistakes that could cost your heirs. Scroll through for all this and more!

 
 
 
 
 
 
Medicare Warns of Fake Calls About New Plastic Cards
 
 

Medicare recipients across the country are being warned about a growing scam falsely claiming that “new,” “plastic,” or “chip” Medicare cards are being mailed out. Officials say the... CONTINUE...

 
 
 
7 Ways Retirees Can Avoid Overspending During the Holidays
 
 

You don't have to sacrifice the magic of the holidays to keep your spending sensible. Focusing on what matters and getting creative will make the season bright. CONTINUE...

 
 
 
Social Security payments to be sent Nov. 12.
 
 

The first wave of Social Security payments for the month of November is coming this week. Here's what recipients need to know. CONTINUE...

 
 
 
Social Security's 2026 COLA Is Official: Retirees in These 10 States Will Get the Biggest Raises
 
 

The percentage is universally applied, but dollar amounts will vary by state. CONTINUE...

 
 
 
Overlooking beneficiary designations is a big IRA mistake: attorney
 
 

Many investors have significant wealth in their IRAs, and beneficiary designations, which dictate who receives the accounts after you die, can be overlooked. CONTINUE...

 
 
 
Best High-Yield Savings Accounts Of November 2025 - Up to 4.21%
 
 

To find the best high interest rate for you, browse Bankrate's list of the best high-yield savings accounts from federally insured, highly rated institutions. CONTINUE...

 
 
 
Headed for the Retirement Red Zone? This Plan Avoids Fumbles
 
 

These strategies help safeguard your nest egg and ensure long-term financial success during your time in the retirement red zone — the five years before retirement and the five years after retirement. CONTINUE...

 
 
 
How to Protect Your Nest Egg from Rising Inflation
 
 

These steps can help protect your retirement savings as inflation and rising prices erode retirees’ purchasing power. CONTINUE...

 
 
 
How to know if you’re financially ready to retire
 
 

Do you really need 10 times your annual salary set aside at age 67 to retire comfortably? CONTINUE...

 
 
 

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