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Latest episodes
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The Auto-Renew Trap: What Your ACA Plan Does If You Do Nothing
October 5, 2026 · 11 minACA open enrollment begins November 1, and for people who buy their own health insurance, doing nothing is still a decision. In this episode, Derek Wu explains how auto-renewal can re-enroll you in a plan that costs more or no longer fits…
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The Renewal Trap: What Medicare Open Enrollment Auto-Decides For You
September 28, 2026 · 10 minMedicare's Annual Enrollment Period runs October 15 through December 7, and doing nothing means your current plan and premium automatically renew. Derek Wu breaks down what's driving 2027 changes, including a projected Part B premium…
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The October 14 COLA Number: What To Actually Do With It
September 21, 2026 · 11 minSocial Security's 2027 cost-of-living adjustment will be officially announced on October 14, but early estimates from AARP and the Senior Citizens League are already circulating -- and they don't agree. This episode breaks down why those…
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HSA or FSA? The 2027 Numbers Just Changed the Math
September 14, 2026 · 11 minOpen enrollment decisions often get stuck on numbers that aren't even final yet. This episode breaks down the difference between the IRS-confirmed 2027 HSA limits and the still-unconfirmed FSA projection everyone keeps quoting, then hands…
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You Picked a Plan. Now You're Stuck in the Queue.
September 7, 2026 · 11 minThe SAVE exit deadline has passed, but for borrowers who applied for RAP or IBR, waiting is now the real challenge. Derek walks through what happens to your loan while your application sits in the queue, why the 60-day processing window…
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The Fed's September 16 Verdict: Cut, Hold, or Something Weirder
August 31, 2026 · 11 minThe Fed's September 15-16 meeting is shaping up differently this time around, thanks to a fresh dot plot and new chair Kevin Warsh, whose untested track record on projections adds real uncertainty. Derek Wu breaks down why Warsh's Jackson…
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Your PSLF Count Just Dropped. Here's What To Do.
August 24, 2026 · 11 minDerek Wu goes solo to unpack the Education Department's confirmed rollback of Public Service Loan Forgiveness (PSLF) payment counts, a change that has already left some borrowers watching years of progress vanish overnight. He traces the…
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September 29 Is Real: What Happens If You Do Nothing
August 20, 2026 · 12 minDerek Wu tackles the ongoing SAVE plan wind-down and clears up the confusion around servicer notices, repayment deadlines, and what comes next for federal student loan borrowers. The episode breaks down what happens if you ignore a…