| What to Know for Friday, March 27, 2026: | 1: Last-minute IRA contribution by April 15 could reduce your Social Security taxes for 2025 |  | (Image credit: AOL) |
| You still have time to lower 2025 taxes: A deductible Traditional IRA contribution made by April 15, 2026 can still count toward your 2025 tax year — this reduces your adjusted gross income, which can lower how much of your Social Security becomes taxable if you're near the income thresholds ($25,000 single, $32,000 married). Example: $2,000 contribution saves ~$1,000 in taxable benefits: A single retiree with $23,400 in Social Security and $18,000 in IRA withdrawals who makes a $2,000 Traditional IRA contribution could shrink their taxable Social Security portion by roughly $1,000 — but this only works with Traditional IRA contributions, not Roth. Key requirements before the deadline: You need earned income (wages or self-employment, not Social Security or pensions) to contribute — limits are $7,000 or $8,000 if age 50+, and you MUST designate it as a 2025 contribution with your IRA provider or it may default to 2026.
| ➜ Read the full article from AOL here. | | | 2: Trump administration cuts 7,500 Social Security workers — service delays worsening nationwide | Unprecedented staffing collapse: SSA lost 7,500 employees (13%) in Trump's first year, the largest one-year reduction on record — over 3,000 workers who help office visitors and phone callers are gone, leading to lines out the door, website crashes, and actual phone wait times of 45 minutes to 2 hours despite misleading claims of improvement. Disability appeals backlog exploding: The number of people waiting for disability hearing decisions jumped by 73,000 cases (24%) in one year after SSA lost 13% of its judges — this reverses years of progress reducing backlogs and means some of the most vulnerable people face even longer waits for financial support they desperately need. SSA hiding problems from public view: The agency stopped publishing key performance metrics like appointment wait times and processing backlogs in summer 2025 — leaked documents show SSA plans to cut in-person field office service in half in 2026, but won't explain how or publish concrete improvement plans.
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| ➜ Read the full story from the Center on Budget and Policy Priorities here. | | 3: EFF sues Medicare over secret AI program that could deny care to 6.4 million seniors | | Little known about WISeR AI experiment: CMS launched the WISeR (Wasteful and Inappropriate Service Reduction) pilot program in January in 6 states, using AI to assess prior authorization requests for medical care — but there's almost no public information about how the algorithms work, what training data they use, or safeguards against bias and wrongful denials. Program incentivizes denials over patient care: Contracted vendors are paid based on the volume of healthcare services they deny and can keep up to 20% of the associated savings — within weeks of launch, hospitals reported delays in care approval, communication gaps, and administrative strain. EFF demands transparency: The Electronic Frontier Foundation filed a FOIA lawsuit asking for vendor agreements, accuracy and bias tests, and audit records — "Without greater transparency, patients, providers, and policymakers will continue to be left in the dark" about algorithms driving healthcare decisions for millions of seniors.
| ➜ Read the full press release from Electronic Frontier Foundation here. | | | Here's What You Missed on YouTube: | Check out our new YouTube videos for Friday, March 27th. | Social Security: Do THIS Before April 15th or You'll Owe the IRS |  | Do THIS Before April 15 — Or You'll Owe the IRS |
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| | | NEW EPISODE: Retirement Navigator Podcast | 🎙️ Episode #5: The Medicare Decision Most People Get Wrong at 65 | If you're approaching Medicare enrollment — or you know someone who is — this week's episode is required listening. | Most people spend more time comparing cable plans than they do choosing their Medicare coverage. And that's exactly how they end up stuck with a plan that limits their doctors, surprises them with unexpected costs, and locks them out of better options when they need care the most. | In this episode, I walk you through the key difference between Original Medicare and Medicare Advantage, why the choice you make at 65 is so much harder to undo at 75, and what the "guaranteed issue" window means for your long-term flexibility. | If you're on a fixed income, this one is especially important. A $0 premium plan today can quietly become a very expensive decision down the road. | 👇 Hit play now & be sure to subscribe: https://www.youtube.com/@TheRetirementNavigator |  | Episode 5: The Medicare Trap Most Retirees Fall Into at 65 (And Can't Escape at 75) |
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| | The Daily 3 Deal List—Week of March 23rd | | This newsletter is for information only. Always confirm your options directly with Social Security, Medicare, Medicaid, or a qualified advisor before making big decisions about your benefits. | *View our Advertising Disclosure |
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