Is your Social Security tax going up?

Find out what other big changes are coming. ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/fba3b450?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTViNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjEyMzAmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTIzMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=jFrrYBnRjpTqmoHiGMqXtvDWMs0l1q-5DHN6h86L3no)   It’s the end of the year, and everyone is taking a long, hard look at the choices we made over the last 12 months… like those low-rise jeans we insist are still in style. (They’re not, if the voices of the internet are to be believed.) Fashion trends aren’t the only things changing in 2023; we’re sharing big updates to both [Social Security](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/1b263341?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTViNSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3JldGlyZW1lbnRcL3NvY2lhbC1zZWN1cml0eS1jaGFuZ2VzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMjMwJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjEyMzAmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=37sdjVf8FjHRd5iim2TJWEkbivHqN7gJQnK56RjZ9KE) and [Medicare](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/6f45c684?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTViNiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3JldGlyZW1lbnRcL21lZGljYXJlLWNoYW5nZXMtbmV4dC15ZWFyXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMjMwJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjEyMzAmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=yBUdYLJvhZ6GvxfH3sH4doGx--Neewi0M6UNX_vWcJ0) that are rolling out in the coming days.     63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/ab357b88?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTViNyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3JldGlyZW1lbnRcL3NvY2lhbC1zZWN1cml0eS1jaGFuZ2VzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMjMwJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjEyMzAmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=hDoH1LSN9djIa1emkZlHL2Fh6P4NDmaCMYesh4O8v-s  [5 Big Changes Coming to Social Security in 2023](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/0c94ff85?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTViOCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3JldGlyZW1lbnRcL3NvY2lhbC1zZWN1cml0eS1jaGFuZ2VzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMjMwJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjEyMzAmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=h2wDZW-ies8Ws6JHV9mQ6h45knBGzVVUc76imxaQhlk)  Each year, the feds shake things up by introducing changes to Social Security. This year’s changes don’t just affect recipients, but also people paying into the system. So even if you’re years away from retiring, you’ll want to know what’s happening.     [Beat Uber’s NYE Pricing Surge With These Hacks](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/8e4c317a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTViOSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL3ViZXItbmV3LXllYXJzLWV2ZS1wcmljaW5nXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMjMwJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjEyMzAmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=Ouh5p6-qmF8vSA7Wc99_uOT1mc7oTVfJWN8jXr7CM24)  We all know that whenever demand is high, Uber and others just love to rip off customers by charging a whole lot more for the same thing. We’re all about staying safe on the year’s biggest party night, but let’s save a little while we’re at it, shall we?          63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/39bb5b04?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTViYSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3JldGlyZW1lbnRcL21lZGljYXJlLWNoYW5nZXMtbmV4dC15ZWFyXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMjMwJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjEyMzAmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=d2VPiFfveZcdRbBBKz349it25aAOU41Y2EOlSWq73N4  [What Does Medicare Look Like Next Year?](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/e406d20a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTViYiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3JldGlyZW1lbnRcL21lZGljYXJlLWNoYW5nZXMtbmV4dC15ZWFyXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMjMwJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjEyMzAmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=dENFNUTpupCa2YGDU2PLSIml_Gt06XnCsrwleSNTN5A)  Social Security isn’t the only benefit that’s getting a 2023 refresher. With the new year comes a slew of changes to Medicare, including insulin-cost caps and more free vaccines.          [This Challenge Will Save You $100+ on Groceries](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/44aa8f1a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTViYyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL3BhbnRyeS1jaGFsbGVuZ2VcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjEyMzAmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTIzMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=LzQTeI9Twnnhzv94os_NBPzW2-8Xw9c7tkznYUUADaA)  The best way to save money on groceries is by shopping your own pantry. Our cabinets are packed with stuff we forgot about ages ago. We’ll show you how to get creative, avoid waste and save a ton in the process.          [Experts Say You Should Never Do This With Your Money](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/2e9e57cd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=X5Iu3e5hKl6bWYPvKWfdlZlndKSV32DFNzZrh-AO_R8)  Raise your hand if you’ve ever made a mistake that cost you a bunch of money. We’ve all been there. The important thing is to learn from those missteps. Here are four money moves to avoid — and what to do instead.     [5 Moves to Make if Your Credit Score is Under 700](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/43fda07a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTViZSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvNzAwLWNyZWRpdC1zY29yZS1wcnRcLz9hZmZfc3ViND1iJmFmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIzMCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjMwJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YiLCJsaW5rVmFyaWFudCI6ImhlYWRfYmx1cmJfNF9hZmZpbGlhdGVfb2ZmZXJzIn0&jwtS=ouibTynalgcLJl-5hUYr8Mu3zuudyI68NPkN4DVzZK8)  OK, so you’ve tried everything you can imagine and your credit score still won’t budge. Frustrating. Don’t give up! We’ve got what you need to finally get your score over the hump.     [How to Break the Paycheck-to-Paycheck Cycle](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/89a7cdfd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTViZiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvNi1maWd1cmUtcGF5Y2hlY2stdG8tcGF5Y2hlY2stcHJ0XC8_YWZmX3N1YjQ9YiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjEyMzAmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTIzMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIiwibGlua1ZhcmlhbnQiOiJoZWFkX2JsdXJiXzRfYWZmaWxpYXRlX29mZmVycyJ9&jwtS=CUKQOWHs8I8mqyIYRur5gPnnWKIA8lsI1A_xTt6TZUY)  We have a secret: Even six-figure earners sometimes live paycheck to paycheck. It’s less about how much you earn and more about how you spend. Use our guide to prioritize your spending and get back on track.     [6 Money-Management Tips for One-Income Households](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/34ca1795?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTVjMCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvc2VjcmV0cy1vbmUtaW5jb21lLXBydC0yXC8_YWZmX3N1YjQ9YiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjEyMzAmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTIzMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIiwibGlua1ZhcmlhbnQiOiJoZWFkX2JsdXJiXzRfYWZmaWxpYXRlX29mZmVycyJ9&jwtS=TpZ616cohSekelBFu9ishMrFylS1BHC_ayvaKJ7o6JE)  Supporting a household on one income can be a juggling act: It just takes one slip-up to throw everything out of sync. Don’t let that happen. Stay the course by earning more and cutting your bills.          [Was this email forwarded to you? Subscribe Now.](63adc3d284d193c8600498d1:ot:631faf77229f6550ab06f0cf:1/057cb4fd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI0MDYxNjcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlOTI2ODkzZWY4OTYxYzA3NTVjMSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIzMCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjMwJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=pwVE9u3y9Q4g-3YWBKzqAZs5U_j3Y53nRLHkTqhNdG4)     © 2022 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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