Seniors: The Bank Balance That Quietly Costs You Every Month

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Your bank balance never goes down, so it feels safe. But Social Security’s own raises show what that money has really lost, and a big balance after 65 can also leave you uninsured and make you a target for scammers. Here is exactly how much belongs in the bank, and where the rest can sit safely.

What You’ll Learn:

How to find your own number: the amount that belongs in the bank
Why $100,000 left in checking since 2020 now buys about $77,000 worth
The FDIC rules that leave many couples and widows underinsured
The scam script that starts with “your money isn’t safe”
Where extra cash can earn close to 4% while staying safe

Questions about your money, or business and collaboration: [email protected]
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CHAPTERS
0:00 The Bank Money You’re Losing Fastest
1:56 Social Security’s Own Proof
3:13 What Your Bank Earns on Your Money
4:02 THIS AMOUNT: How Much Belongs in the Bank
4:51 A Widow’s Real Numbers
6:42 Why Retirees Hold Too Much Cash
8:17 The Opposite Mistake
9:05 The $250,000 Insurance Line
10:11 How a Couple Gets $1.5 Million Covered
11:11 Brand Names, Mergers and a Spouse’s Death
12:55 Why a Big Balance Makes You a Target
15:31 Smart Move or Scam: How to Tell
16:25 What the FDIC Doesn’t Cover
17:58 Where the Extra Money Can Go
19:41 Taxes and Medicare When You Move It
20:18 Long Term Money and Your RMD
21:20 Your Questions Answered
22:50 Find Your Number on One Sheet
24:34 Ask Me About Your Situation

Educational only, not financial, legal or tax advice. Names and numbers in examples are illustrative composites, not real people.

Sources: Social Security Administration, FDIC, Federal Reserve, Bureau of Labor Statistics, Morningstar, Employee Benefit Research Institute, J.P. Morgan, Federal Trade Commission, FBI, Schwab

#Retirement #Savings #FDIC #Seniors #PersonalFinance

❤️ Support Kevin’s Research https://supolka.io/@kevin-explains