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The programs, deadlines and phone calls that decide what you keep after 65 — including every one that only works if you ask for it.
Every bill in your mailbox found you without being asked. Not one benefit ever will.
That is the whole book in one line. The other 156 pages are the list, the forms, and what to say on the phone.
What's inside
Twenty-four short chapters, printed large enough to read without hunting for your glasses. Every dollar figure checked against the 2026 federal source, with the office and the form named so you can check it yourself.
Medicare Savings Programs that pay your Part B premium, Extra Help for prescriptions, food assistance for a household over 60, utility discounts, hospital financial assistance, and VA pension.
Property tax relief and assessment freezes, home repair grants, keeping the deed clean, and the deed-fraud notice that takes ten minutes to set up.
What the Fairness Act repeal changed, switching between your own benefit and a survivor benefit, undoing a claiming decision, overpayment letters, and how your benefit gets taxed.
The Medicare Annual Notice of Change, appealing an IRMAA surcharge with form SSA-44, what banks actually report, the Medicaid look-back, and the unclaimed property databases.
How the calls and letters aimed at older people really work, a calendar of the ages and deadlines that matter, and a first-afternoon plan so you know exactly where to start.
Why it matters
Nothing here is a loophole. Every program in the book is official, public and documented — which is exactly why nobody chases you about it. The bill is automatic. The benefit is an application.
Before you decide
The Senior Money Guide · 2026–2027
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Questions
A 156-page PDF, delivered to your email within about a minute of paying. You can read it on a phone, tablet or computer, and print it if you'd rather hold it. There's nothing to join and nothing that renews.
No. It's plain-English education about public programs. Limits and deadlines differ by state and county, so every figure is a starting point to check against the office named on the page.
Yes. It was set in large type on standard letter-size pages for exactly that reason. Many readers print Part Five and the appendices and keep them in a drawer.
Every dollar figure was checked against the 2026 federal sources — SSA, CMS, USDA, VA, IRS and others — and the source is named beside it so you can confirm it yourself.
No. Several of the deadlines in the book sit in your fifties and early sixties, and a few of the decisions can't be undone later. Earlier is cheaper.
Richard — the same person behind the videos. Retired, writing for people in the same position, in the same plain language used on the channel.
Payment and delivery run through Hotmart, and your receipt has a support link on it. If the file doesn't arrive, use that link and it gets sorted.
Wait — before you close this
That's my personal guarantee on the guide, not a store policy. $26.95 today, one form saves you the rest.
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