Archive | Drink Coffee & Profit

Social Security Pays You for the Work That Got Recorded. Not the Work You Did.

The formula uses your highest 35 years. A missing one costs about $480 a year for life, and the window to fix it closes on a schedule nobody announces.

Aug 24, 2026

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3 min read

Social Security Pays You for the Work That Got Recorded. Not the Work You Did.

She Lost $37,500 Because of a Clock Nobody Told Her About

When a spouse dies the home-sale exclusion halves from $500,000 to $250,000, unless the sale closes within two years.

Aug 23, 2026

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3 min read

She Lost $37,500 Because of a Clock Nobody Told Her About

She Signed Away Her Claim in the Divorce. She Still Got the $400,000.

He never updated one form. The Supreme Court has answered this three times, and the form wins every time.

Aug 21, 2026

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3 min read

She Signed Away Her Claim in the Divorce. She Still Got the $400,000.

They Send You the Alarm. The Lock Is Also Free.

Credit monitoring rings after somebody opens an account in your name. A freeze stops them opening it.

Aug 20, 2026

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3 min read

They Send You the Alarm. The Lock Is Also Free.

Your W-2 Has a New Box This Year. Box 12, Code TT.

First year the reporting is mandatory. If the number comes out low, you lose a deduction you already earned.

Aug 19, 2026

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3 min read

Your W-2 Has a New Box This Year. Box 12, Code TT.