Warren Buffet said in the HBO’s 2017 documentary that the biggest decision of your life will be who you choose to marry. Later that year, during a conversation with Bill Gates at Columbia University he said, “You want to associate with people who are the kind of person you’d like to be. And the most important person by far in that respect is your spouse.”
Recently Harvard Pilgrim Health Care published a newsletter citing that “New England states consistently rank among the healthiest in the United States.” In particular, Massachusetts ranked third in the 2025 U.S. News & World Report in terms of overall health. The study considered mortality, obesity, smoking, suicide and mental health in adults.
This blog highlights the importance of financial literacy for teens and young adults, covering key benefits like budgeting, saving, avoiding debt, and building financial independence.
For most people, their most valuable financial asset is their ability to make a living. If you rely on a paycheck for everyday and recurring expenses, it is important to have disability insurance. Disability insurance pays a portion of your income if you cannot work for an extended period due to illness or injury.
Here’s how it works: If you're single and 65 or older, and your income is under $75,000, you’ll be able to deduct: The standard deduction: $15,750 The senior bonus: $1,950 The new extra deduction: $6,000 That adds up to $23,700 in deductions—before we even get into anything else. If you’re married, both age 65+, and your combined income is under $150,000, you’ll get: The standard deduction: $31,500 The senior bonus: $3,200 The new extra deduction: $12,000 ($6,000 each) That’s a total of $46,700 in deductions. Now, this deduction starts to phase out once your income crosses certain thresholds:
When a person dies, their surviving spouse (and in some cases, ex-spouse) and minor or disabled children are entitled to Social Security death and survivor benefits. It is important to understand these potential SS benefits, whether or not you will qualify for survivor benefits, and how to access them.