https://wondy.kr/en/blog Using AI as a tool for smarter money decisions. AI news that moves markets, hands-on AI workflows, and data-driven reads on real estate and the economy. en-us wondykr@gmail.com (Wondy) wondykr@gmail.com (Wondy) Fri, 28 Aug 2026 00:00:00 GMT https://wondy.kr/en/blog/aca-subsidy-cliff-2027-income-limits https://wondy.kr/en/blog/aca-subsidy-cliff-2027-income-limits The 400% cutoff for 2027 coverage is $63,840 for one person, $86,560 for a couple, $132,000 for a family of four. A dollar over and the credit is zero. Fri, 28 Aug 2026 00:00:00 GMT wondykr@gmail.com (Wondy) EconomyInsuranceTaxesSelf-EmploymentPersonal FinanceAI Tools https://wondy.kr/en/blog/senior-deduction-6000-what-it-saves-2026 https://wondy.kr/en/blog/senior-deduction-6000-what-it-saves-2026 The $6,000 senior deduction saves a single 67-year-old $720 and a couple $1,440 in 2026. It is not "no tax on Social Security," and it phases out fast. Thu, 27 Aug 2026 00:00:00 GMT wondykr@gmail.com (Wondy) EconomyTaxesSocial SecurityPersonal FinanceAI ToolsInflation https://wondy.kr/en/blog/mandatory-roth-catch-up-2026-cost https://wondy.kr/en/blog/mandatory-roth-catch-up-2026-cost If box 3 of your 2025 W-2 tops $150,000, your 2026 catch-up must be Roth. That runs $1,920 in the 24% bracket and $3,600 at ages 60 to 63. Wed, 26 Aug 2026 00:00:00 GMT wondykr@gmail.com (Wondy) Economy401(k)TaxesPersonal FinanceAI Tools https://wondy.kr/en/blog/calculate-student-aid-index-2027-28-chatgpt https://wondy.kr/en/blog/calculate-student-aid-index-2027-28-chatgpt Every SAI calculator online still runs last year's tables. Here's the official 2027-28 formula, a ChatGPT prompt for it, and the entry that costs $10,152. Mon, 24 Aug 2026 00:00:00 GMT wondykr@gmail.com (Wondy) AI ToolsFAFSACollege SavingsTaxesPersonal FinanceChatGPT https://wondy.kr/en/blog/leftover-529-money-roth-rollover https://wondy.kr/en/blog/leftover-529-money-roth-rollover Leftover 529 money has four exits. The Roth rollover moves one IRA limit a year, so $20,000 takes three years, and cashing out costs 6.6% to 10.2%. Sun, 23 Aug 2026 00:00:00 GMT wondykr@gmail.com (Wondy) EconomyCollege SavingsTaxesStudent LoansPersonal FinanceChatGPT https://wondy.kr/en/blog/old-401k-leave-or-rollover https://wondy.kr/en/blog/old-401k-leave-or-rollover Four options for a 401(k) from a job you left, the 20% withholding that turns a $50,000 check into $40,000, and three cases where an IRA costs you. Sat, 22 Aug 2026 00:00:00 GMT wondykr@gmail.com (Wondy) Economy401(k)TaxesPersonal FinanceAI ToolsChatGPT https://wondy.kr/en/blog/chatgpt-prompt-hsa-vs-fsa https://wondy.kr/en/blog/chatgpt-prompt-hsa-vs-fsa An HSA vs FSA prompt run cold: the AI reframed it as a choice between two health plans, then quoted a 2027 HSA limit $50 above the published one. Thu, 20 Aug 2026 00:00:00 GMT wondykr@gmail.com (Wondy) AI ToolsInsuranceTaxesChatGPTPersonal Finance https://wondy.kr/en/blog/chatgpt-prompt-q3-estimated-taxes-1099 https://wondy.kr/en/blog/chatgpt-prompt-q3-estimated-taxes-1099 A ChatGPT prompt to size your September 15 estimated tax payment on $30,000 of 1099 income. The safe harbor came out to $465, not $7,500. Wed, 19 Aug 2026 00:00:00 GMT wondykr@gmail.com (Wondy) AI ToolsTaxesChatGPTPersonal FinanceSelf-Employment https://wondy.kr/en/blog/chatgpt-prompt-roth-vs-traditional-401k https://wondy.kr/en/blog/chatgpt-prompt-roth-vs-traditional-401k A ChatGPT prompt to choose Roth or traditional 401(k) in 2026, run on a $92,000 salary. The break-even retirement rate is 19.3%, not 22%. Tue, 18 Aug 2026 00:00:00 GMT wondykr@gmail.com (Wondy) AI Tools401(k)TaxesChatGPTPersonal Finance https://wondy.kr/en/blog/why-do-i-owe-taxes-chatgpt-w4-audit https://wondy.kr/en/blog/why-do-i-owe-taxes-chatgpt-w4-audit I ran one 2026 pay stub and my W-4 through Claude. It found a stale dependent credit and a $2,910 shortfall, with eight paychecks left to fix it. Fri, 07 Aug 2026 00:00:00 GMT wondykr@gmail.com (Wondy) AI ToolsTaxesChatGPTPersonal FinanceBudgeting