{"id":9394,"date":"2022-06-08T20:39:58","date_gmt":"2022-06-09T00:39:58","guid":{"rendered":"https:\/\/kerryhannon.com\/?p=9394"},"modified":"2022-06-08T20:40:26","modified_gmt":"2022-06-09T00:40:26","slug":"do-you-know-how-much-healthcare-costs-will-be-in-retirement","status":"publish","type":"post","link":"https:\/\/kerryhannon.com\/?p=9394","title":{"rendered":"Do you know how much healthcare costs will be in retirement?"},"content":{"rendered":"<div id=\"caas-content-body\">\n<div id=\"content-wrapper\">\n<div id=\"module-article\">\n<div id=\"caas-art-d6427fa2-6adc-4f39-9d60-813b73ec56d7\" class=\"caas caas-cc money enableAdSlotsOneSlot enableLiveConfig enableSingleSlotting enableSlideShowKV enableVideoDocking enableVideoThirtyView enableXrayEntityAboutFacts noRapidClickClass removeDuplicateImage showCommentsIconInShareSec slideshowv2 caas-click-attached\" data-assets=\"[]\" data-cobrandname=\"\" data-device=\"desktop\" data-i18n=\"{&quot;{0} min&quot;:&quot;{0} min&quot;,&quot;{0} min read&quot;:&quot;{0} min read&quot;,&quot;{0} mins read&quot;:&quot;{0} mins read&quot;,&quot;{0} Views&quot;:&quot;{0} Views&quot;,&quot;{0} followers&quot;:&quot;{0} followers&quot;,&quot;{0} symbols&quot;:&quot;{0} symbols&quot;,&quot;{0} at {1}&quot;:&quot;{0} at {1}&quot;,&quot;360_TITLE&quot;:&quot;The 360&quot;,&quot;Ad&quot;:&quot;Ad&quot;,&quot;AD_PLACEHOLDER_TEXT&quot;:&quot;Advertisement&quot;,&quot;AND&quot;:&quot;and&quot;,&quot;AR_INLINE_FALLBACK&quot;:&quot;This story has augmented reality! 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[Video]&quot;,&quot;VIDEO_TRANSCRIPT&quot;:&quot;Video Transcript&quot;,&quot;VIDEO_A11Y_DISABLE_FULLSCREEN&quot;:&quot;Full Screen, button, disabled, temporarily not available for screen reader users&quot;,&quot;VIEW_AR_IMAGE&quot;:&quot;View this in your space in AR&quot;,&quot;VIEW_PHOTOS&quot;:&quot;View photos&quot;,&quot;YOU_MAY_ALSO_BE_INTERESTED_IN&quot;:&quot;You may also be interested in:&quot;,&quot;VERSUS&quot;:&quot;vs&quot;,&quot;WATCHLIST&quot;:&quot;Watchlist&quot;}\" data-lang=\"en-US\" data-tz=\"America\/New_York\" data-params=\"{&quot;features&quot;:{&quot;enableAdSlotsOneSlot&quot;:true,&quot;enableLiveConfig&quot;:true,&quot;enableSingleSlotting&quot;:true,&quot;enableSlideShowKV&quot;:true,&quot;enableVideoDocking&quot;:true,&quot;enableVideoThirtyView&quot;:true,&quot;enableXrayEntityAboutFacts&quot;:true,&quot;noRapidClickClass&quot;:true,&quot;removeDuplicateImage&quot;:true,&quot;showCommentsIconInShareSec&quot;:true,&quot;slideshowv2&quot;:true},&quot;config&quot;:{&quot;authorBylineCollapseLineCount&quot;:2,&quot;commerceMiniProductListLimit&quot;:5,&quot;freezeOnLinkClick&quot;:true,&quot;lazyOffsetY&quot;:1300,&quot;livecoverage&quot;:{&quot;defer&quot;:false},&quot;imageCaptionCollapseLineCount&quot;:3,&quot;uiShowPreviousButtonOnLoad&quot;:true}}\" data-space-id=\"1197808627\">\n<article class=\"caas-container\" tabindex=\"-1\" role=\"article\">\n<div class=\"caas-body-wrapper\">\n<div class=\"caas-body-content\">\n<div class=\"caas-body-inner-wrapper\">\n<div class=\"caas-body-section\">\n<div class=\"caas-content wafer-sticky wafer-loader-success\" data-wf-sticky-boundary=\"caas-body-section\" data-wf-sticky-offset=\"165px   10px\" data-wf-sticky-target=\".caas-share-buttons\">\n<div class=\"caas-content-wrapper\">\n<header class=\"caas-header\">\n<div><figure class=\"wp-block-embed wp-block-embed-youtube is-type-video is-provider-youtube epyt-figure\"><div class=\"wp-block-embed__wrapper\"><iframe loading=\"lazy\"  id=\"_ytid_63117\"  width=\"640\" height=\"360\"  data-origwidth=\"640\" data-origheight=\"360\" src=\"https:\/\/www.youtube.com\/embed\/sngBkZZ6m5Q?enablejsapi=1&autoplay=0&cc_load_policy=0&cc_lang_pref=&iv_load_policy=1&loop=0&rel=1&fs=1&playsinline=0&autohide=2&theme=dark&color=red&controls=1&\" class=\"__youtube_prefs__  no-lazyload\" title=\"YouTube player\"  allow=\"fullscreen; accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen data-no-lazy=\"1\" data-skipgform_ajax_framebjll=\"\"><\/iframe><\/div><\/figure><\/div>\n<div class=\"caas-logo\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">Americans are vastly underestimating the amount of money they need in retirement for healthcare costs.<\/span><\/div>\n<\/header>\n<div class=\"caas-body\">\n<p>The average estimate from folks in a recent Fidelity survey was just $41,000. In fact, Americans will spend nearly eight times that amount in their golden years, according to the new&nbsp;<a class=\"link \" href=\"https:\/\/www.businesswire.com\/news\/home\/20220516005224\/en\/Fidelity-Releases-2022-Retiree-Health-Care-Cost-Estimate-65-Year-Old-Couple-Retiring-Today-Will-Need-an-Average-of-315000-for-Medical-Expenses\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:Fidelity Retiree Health Care Cost Estimate\" data-rapid_p=\"9\" data-v9y=\"1\">Fidelity Retiree Health Care Cost Estimate<\/a>, which forecast a retired opposite sex couple age 65 in 2022 may need an average of $315,000 saved (after tax) to cover health care expenses in retirement.<\/p>\n<p><strong><a href=\"https:\/\/money.yahoo.com\/healthcare-costs-in-retirement-194143001.html\">Read on Yahoo Money<\/a><\/strong><\/p>\n<p>Fidelity\u2019s estimate is up 5% from 2021 ($300,000) and has nearly doubled from its original $160,000 in 2002. The 2022 estimate for single retirees is $150,000 for men and $165,000 for women.<\/p>\n<p>\u201cOur research indicates a persistent lack of understanding around what people need to do to save for health care costs in retirement and just how much they\u2019ll need to have saved,\u201d Hope Manion, senior vice president at Fidelity Workplace Consulting, told Yahoo Money.<\/p>\n<p>\u201cToo often conversations about retirement focus on the fun parts, like where you\u2019ll live or travel, or the extra time with family and friends, but it\u2019s important to consider how you\u2019ll pay for not only those happier moments, but also the inevitable costs of health care in retirement.\u201d<\/p>\n<figure class=\"caas-figure\">\n<div class=\"caas-figure-with-pb\">\n<div>\n<div class=\"caas-img-container\"><\/div>\n<\/div>\n<\/div>\n<div class=\"caption-wrapper caption-aligned-with-image\"><\/div>\n<\/figure>\n<h2><strong>What does the $315,000 include?<\/strong><\/h2>\n<p>About 15% of the average retiree\u2019s annual expenses will be used for health care-related expenses, including Medicare premiums and out-of-pocket expenses.<\/p>\n<p>Obviously, that figure comes with caveats because ultimately what a retiree will spend depends on when he or she retires and where they live, their overall health, and that great mystery of how long they will live.<\/p>\n<p>Fidelity\u2019s estimate assumes both members of the couple are enrolled in traditional Medicare, which between Medicare Part A and Part B covers expenses such as hospital stays, doctor visits and services, physical therapy, lab tests and more, and in Medicare Part D, which covers prescription drugs.<\/p>\n<p>The calculation takes into account monthly premiums, standard Medicare cost-sharing provisions, expenses that aren\u2019t covered by Medicare like vision or hearing aids, as well as prescription drug out-of-pocket costs.<\/p>\n<p>It does not include other health-related expenses, such as over-the-counter medications, most dental services, and long-term care.<\/p>\n<h2><strong>What&#8217;s driving the increase in health care costs?<\/strong><\/h2>\n<p>Soaring health care inflation is driving the upsurge in expected costs. Even if health care inflation rates remain at this level for a short period, inflation compounded over time will drive retiree costs significantly higher, according to Healthview Services\u2019s \u201cHealth care Costs&nbsp;<a class=\"link \" href=\"https:\/\/hvsfinancial.com\/wp-content\/uploads\/2022\/03\/HVS-Data-Report-Brief-0312222.pdf\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:Data Report\" data-rapid_p=\"11\" data-v9y=\"0\">Data Report&nbsp;<\/a>Brief: The Long-Term Impact of Short-Term Inflation 2022.\u201d<\/p>\n<p>A healthy 65-year-old couple retiring today entering Medicare will need 71% of their lifetime Social Security benefits to cover their medical expenses &#8211; 9% more than if inflation had remained at historic levels, according to that analysis. For those retiring in 20 years, health expenditures will exceed projected Social Security income by 56%.<\/p>\n<p>Another factor in the uptick in Fidelity\u2019s estimate is the&nbsp;<a class=\"link  yahoo-link\" href=\"https:\/\/money.yahoo.com\/inflation-seniors-struggle-with-rising-prices-200246427.html\" data-ylk=\"slk:jump in Medicare B premiums this year;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"12\" data-v9y=\"0\">jump in Medicare B premiums this year<\/a>. The 2022 monthly Part B premium rose by $21.60, or nearly 15 percent, to $170.10 from $148.50 in 2021.<\/p>\n<p>The culprit: Aduhelm, the controversial drug approved last year by the U.S. Food and Drug Administration for the treatment of Alzheimer&#8217;s disease. Medicare usually covers FDA-approved drugs, but this one comes with a shocking price set by its maker, Biogen \u2014$56,000 per patient annually. The drug will be covered under Part B, rather than the Part D prescription drug program.<\/p>\n<p>About half of the increase in the premiums has been attributed to the drug.<\/p>\n<p>On May 27, the&nbsp;<a class=\"link \" href=\"https:\/\/www.cms.gov\/newsroom\/press-releases\/cms-releases-analysis-2022-medicare-part-b-premium-reexamination\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:Centers for Medicare &amp; Medicaid Services (CMS\" data-rapid_p=\"13\" data-v9y=\"0\">Centers for Medicare &amp; Medicaid Services (CMS<\/a>) said it would not change Part B premiums this year. A lower 2023 premium is under consideration.<\/p>\n<h2><strong>How to plan for health care costs in retirement<\/strong><\/h2>\n<p>\u201cThe Fidelity number is scary,\u201d Philip Moeller, a Medicare and Social Security expert and principal author of the&nbsp;<a class=\"link \" href=\"https:\/\/philmoeller.substack.com\/\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:\u201cGet What\u2019s Yours\u201d\" data-rapid_p=\"14\" data-v9y=\"0\">\u201cGet What\u2019s Yours\u201d<\/a>&nbsp;series of books about Social Security, Medicare, and health care, told Yahoo Money. \u201cBut lower-income people have Medicaid and don\u2019t pay these big bills. Further, most health spending occurs in later life.\u201d<\/p>\n<p>In other words, you might not reach the age when those bigger bills land.<\/p>\n<p>A recent&nbsp;<a class=\"link \" href=\"https:\/\/philmoeller.substack.com\/p\/big-increases-in-part-b-medicare?\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:blog post\" data-rapid_p=\"15\" data-v9y=\"0\">blog post<\/a>&nbsp;by Moeller explored the rising costs. \u201cMedicare, however, can be an excellent insurance program,\u201d Moeller said. \u201cFree Medicare help is available from the&nbsp;<a class=\"link \" href=\"https:\/\/www.shiphelp.org\/\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:State Health Insurance Assistance Program (\" data-rapid_p=\"16\" data-v9y=\"0\">State Health Insurance Assistance Program (<\/a>SHIP); counselors also can explain the substantial medical assistance programs Medicare provides.\u201d<\/p>\n<p>But it\u2019s important to note that even on Medicare, you\u2019re still going to be on the hook for some number of bills.<\/p>\n<p>\u201cEven once you reach Medicare eligibility at 65, there are still hefty costs,\u201d Manion said.<\/p>\n<p>To fill the gaps, folks need to plan.<\/p>\n<p>Those surveyed by Fidelity who feel prepared for the cost of health care in retirement ramps up when the person has a&nbsp;<a class=\"link \" href=\"https:\/\/www.irs.gov\/publications\/p969\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:health savings account\" data-rapid_p=\"17\" data-v9y=\"0\">health savings account<\/a>&nbsp;(HSA), a tax-advantaged account designed to help cover out-of-pocket health care expenses.<\/p>\n<p>Nearly half (47%) of HSA holders feel prepared for their health care retirement expenses, compared to just 27% of people who do not have an HSAs, according to Fidelity.<\/p>\n<p>More than 80% of large employers currently offer an HSA to their employees, according to a survey by benefits consultant Willis Towers Watson, while only 4% of companies offer health benefits to retirees, according to the Employee Benefit Research Institute (<a class=\"link \" href=\"https:\/\/www.ebri.org\/docs\/default-source\/fast-facts\/ff-424-savingstargets-10feb22.pdf?sfvrsn=38e3b2f_4\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:EBRI)\" data-rapid_p=\"18\" data-v9y=\"0\">EBRI)<\/a>.<\/p>\n<p>But not everyone is eligible to contribute to an HSA.<\/p>\n<p>In order to participate, your health insurance plan must offer a high-deductible plan. You can also open an account as a self-employed freelancer or business owner if you have a qualified high-deductible health plan (HDHP).<\/p>\n<p>For 2022, the IRS&nbsp;<a class=\"link \" href=\"https:\/\/www.healthcare.gov\/glossary\/high-deductible-health-plan\/\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:defines\" data-rapid_p=\"19\" data-v9y=\"0\">defines&nbsp;<\/a>a high deductible health plan as any plan with a deductible of at least $1,400 for an individual or $2,800 for a family. An HDHP\u2019s total yearly out-of-pocket expenses (including deductibles, copayments, and coinsurance) can\u2019t be more than $7,050 for an individual or $14,100 for a family. (This limit doesn&#8217;t apply to out-of-network services.)<\/p>\n<p>In 2022, you can contribute up to $3,650 if you have individual health insurance or up to $7,300 for family coverage. If you\u2019ll be 55 or older at the end of the year, you can set aside an extra $1,000 in \u201ccatch up\u201d contributions. Those limits will increase around 5% for 2023 due to the spike in inflation, the IRS recently&nbsp;<a class=\"link \" href=\"https:\/\/www.irs.gov\/pub\/irs-drop\/rp-22-24.pdf\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:announced\" data-rapid_p=\"20\" data-v9y=\"1\">announced<\/a>.<\/p>\n<p>In addition to saving pretax dollars (and potentially adding employer contributions), and investing the savings, the funds are withdrawn tax-free for federal and, generally, state tax purposes, if used for qualified medical expenses. And unlike flexible spending accounts, contributions do not need to be used annually, but rollover year after year. The HSA can be used for unexpected expenses that Medicare doesn\u2019t pay \u2013 such as dental and vision care.<\/p>\n<p>HSAs can also help cover the cost of travel such as an air or train fare or gasoline for essential medical care if you need to travel out of your state for a medical procedure. And even if your spouse or children are not covered under your medical plan, they can also tap your HSA.<\/p>\n<p>\u201cSave all your receipts for health expenses through the years as those expenses can be withdrawn from the HSA anytime tax free,\u201d Dr. Carolyn McClanahan, a financial advisor for<a class=\"link \" href=\"http:\/\/www.lifeplanningpartners.com\/\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:Life Planning Partners\" data-rapid_p=\"21\" data-v9y=\"0\">&nbsp;Life Planning Partners&nbsp;<\/a>and a physician, told Yahoo Money. \u201cThey don\u2019t have to be withdrawn in the year you incur the expenses. If you don\u2019t use the HSA for health care expenses, after age 65, you can use it for retirement but you have to pay taxes on the withdrawals.\u201d<\/p>\n<p>In addition to funding retirement savings, HSA balances, and personal savings, also focus on your health now to save for the future, Moeller said.<\/p>\n<p>\u201cRemember: The cheapest health care is the care you don\u2019t need,\u201d Moeller said. \u201cThat means diet and exercise, and the sooner you start, the better.\u201d<\/p>\n<header class=\"caas-header\">\n<header class=\"caas-title-wrapper\">\n<h1 data-test-locator=\"headline\"><a class=\"link caas-attr-provider-logo\" title=\"\" href=\"https:\/\/money.yahoo.com\/\" data-ylk=\"sec:logo-provider;elm:logo;slk:Yahoo Money;g:\" data-rapid_p=\"6\" data-v9y=\"1\"><img decoding=\"async\" class=\"caas-img\" src=\"https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/ZPNt8bYEuYFCMnZJ4L6D0w--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTIyNDtoPTQ4\/https:\/\/s.yimg.com\/os\/creatr-uploaded-images\/2021-03\/d9645480-7d32-11eb-9eef-9b703aa57102\" alt=\"Yahoo Money\" data-src=\"https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/ZPNt8bYEuYFCMnZJ4L6D0w--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTIyNDtoPTQ4\/https:\/\/s.yimg.com\/os\/creatr-uploaded-images\/2021-03\/d9645480-7d32-11eb-9eef-9b703aa57102\"><\/a><\/h1>\n<\/header>\n<\/header>\n<div>\n<div class=\"caas-attr author\"><a class=\"link caas-attr-logo\" title=\"\" href=\"https:\/\/www.yahoo.com\/author\/kerry-hannon\" data-ylk=\"elm:icon;slk:Kerry Hannon\" data-rapid_p=\"7\" data-v9y=\"1\"><img decoding=\"async\" class=\"caas-img\" src=\"https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/idIDpzmXl_bIC2JZkIj6FQ--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTgwO2g9ODA-\/https:\/\/s.yimg.com\/os\/creatr-uploaded-images\/2022-03\/57a5f580-a3cd-11ec-b1fc-d323fa628773\" alt=\"Kerry Hannon\" data-src=\"https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/idIDpzmXl_bIC2JZkIj6FQ--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTgwO2g9ODA-\/https:\/\/s.yimg.com\/os\/creatr-uploaded-images\/2022-03\/57a5f580-a3cd-11ec-b1fc-d323fa628773\"><\/a><\/p>\n<div class=\"caas-attr-meta\">\n<div class=\"caas-attr-item-author\"><span class=\"caas-author-byline-collapse\" data-id=\"m-0\"><a class=\"link\" title=\"\" href=\"https:\/\/www.yahoo.com\/author\/kerry-hannon\" data-ylk=\"elm:author;slk:Kerry Hannon\" data-rapid_p=\"8\" data-v9y=\"1\">Kerry Hannon<\/a><\/span><\/p>\n<div class=\"caas-attr-item\"><span class=\"caas-attr-meta-separator\">\u00b7<\/span>Senior Columnist<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><em>Kerry is a Senior Columnist and Senior Reporter at Yahoo Money. Follow her on Twitter<\/em><a class=\"link \" href=\"https:\/\/twitter.com\/KerryHannon\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:@kerryhannon\" data-rapid_p=\"22\" data-v9y=\"0\"><em>&nbsp;@kerryhannon<\/em><\/a><\/p>\n<p><a class=\"link \" href=\"https:\/\/money.yahoo.com\/\" data-ylk=\"slk:Read the latest personal finance trends and news from Yahoo Money.\" data-rapid_p=\"23\" data-v9y=\"0\"><strong>Read the latest personal finance trends and news from Yahoo Money.<\/strong><\/a><\/p>\n<p><strong><em>Follow Yahoo Finance on<\/em><\/strong><a class=\"link \" href=\"https:\/\/twitter.com\/YahooFinance\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:Twitter\" data-rapid_p=\"24\" data-v9y=\"1\"><strong><em>&nbsp;Twitter<\/em><\/strong><\/a><strong><em>,<\/em><\/strong><a class=\"link \" href=\"https:\/\/www.instagram.com\/yahoofinance\/?hl=en\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:Instagram\" data-rapid_p=\"25\" data-v9y=\"1\"><strong><em>&nbsp;Instagram<\/em><\/strong><\/a><strong><em>,<\/em><\/strong><a class=\"link \" href=\"http:\/\/youtube.com\/c\/yahoofinance?sub_confirmation=1\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:YouTube\" data-rapid_p=\"26\" data-v9y=\"1\"><strong><em>&nbsp;YouTube<\/em><\/strong><\/a><strong><em>,<\/em><\/strong><a class=\"link \" href=\"https:\/\/www.facebook.com\/yahoofinance\/\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:Facebook\" data-rapid_p=\"27\" data-v9y=\"1\"><strong><em>&nbsp;Facebook<\/em><\/strong><\/a><strong><em>,<\/em><\/strong><a class=\"link \" href=\"https:\/\/flipboard.com\/topic\/yahoofinance\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:Flipboard\" data-rapid_p=\"28\" data-v9y=\"1\"><strong><em>&nbsp;Flipboard<\/em><\/strong><\/a><strong><em>, and<\/em><\/strong><a class=\"link \" href=\"https:\/\/www.linkedin.com\/company\/yahoo-finance\" target=\"_blank\" rel=\"nofollow noopener\" data-ylk=\"slk:LinkedI\" data-rapid_p=\"29\" data-v9y=\"1\"><strong><em>&nbsp;LinkedI<\/em><\/strong><\/a><strong><em>n.<\/em><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<aside class=\"caas-aside-section\">\n<div class=\"caas-sticky-sda-container wafer-sticky wafer-loader-success\" data-wf-sticky-boundary=\"caas-aside-section\" data-wf-sticky-offset=\"165px   10px\" data-wf-sticky-target=\".caas-sticky-sda\">\n<div class=\"caas-sticky-sda sticky-flow\">\n<div id=\"sda-LREC2\" class=\" LREC2-status-ok\">\n<div id=\"sb_rel_sda-LREC2-iframe\" class=\"darla\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/aside>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"postArticle\" class=\"Pos(r) Mb($gridMargin) Mt(-20px) Pstart(106px) Pend(34%)\">\n<div id=\"module-editorialPicks\" class=\"wafer-rapid-module  Mb(20px)\">\n<div id=\"wafer-trending-bar\" class=\"Bdrs(8px) Bdw(1px) Bdc(#e0e4e9) Bds(s) Pb(20px) Px(20px)\">\n<div class=\"header-wrapper D(f) Py(10px) Bdbw(1px) Bdc(#e0e4e9) Bdbs(s)\">\n<div class=\"D(ib) Td(n)\"><strong>Read more<\/strong><\/div>\n<\/div>\n<ul class=\"common simple-list Pstart(0) List(n) Mt(24px)\">\n<li class=\"common simple-list-item stream-item D(n):e Mih(74px) Mt(28px) Mt(0):fc js-stream-content\">\n<div class=\"item-hover-trigger Pos(r)\">\n<div class=\"item-img-wrapper Pos(r) Fl(end) Mstart(20px) Ov(h) Fxs(0) Bdrs(8px) Z(0)\"><\/div>\n<div class=\"simple-item-content\">\n<div class=\"provider-logo\"><\/div>\n<h4 class=\"Fz(20px) Lh(1.4) Fw(600) D(b) Pos(r) T(2px) My(0) W(100%) Trs(colorTransition) item-hover-trigger:h_C($titleHoverColor)\"><a class=\"Td(n) C($inherit) Td(n) C($inherit) D(f) js-content-viewer rapidnofollow\" href=\"https:\/\/money.yahoo.com\/social-security-surplus-last-longer-003831431.html\" data-uuid=\"8fd488a1-2b77-41fe-b42e-b446a212ed76\" data-ylk=\"elm:hdln;itc:0;pos:1;sec:readmore;subsec:readmore;cpos:1;ct:story;g:8fd488a1-2b77-41fe-b42e-b446a212ed76\" data-hosted-type=\"HOSTED\" data-wf-caas-prefetch=\"1\" data-wf-caas-uuid=\"8fd488a1-2b77-41fe-b42e-b446a212ed76\" data-rapid_p=\"1\" data-v9y=\"1\">Social Security&#8217;s surplus will last a little longer, new report predicts<\/a><\/h4>\n<div class=\"StretchedBox Z(1)\"><\/div>\n<\/div>\n<\/div>\n<div class=\"action-bar Mt(8px) Mend(8px) D(f) Fld(r) Fxw(w) Jc(sb) Ai(c) Mih(19px) Pos(r)\">\n<div class=\"Fz(12px) C($commentColor)\"><span class=\"provider-name D(ib) Va(m) Ell Maw(115px)\">Yahoo Money<\/span><span class=\"separator Px(4px)\">\u00b7<\/span><span class=\"mins-read D(ib) Va(m) Ell Maw(115px)\">3 min read<\/span><\/div>\n<div class=\"actions\"><\/div>\n<\/div>\n<\/li>\n<li class=\"common simple-list-item stream-item D(n):e Mih(74px) Mt(28px) Mt(0):fc js-stream-content\">\n<div class=\"item-hover-trigger Pos(r)\">\n<div class=\"item-img-wrapper Pos(r) Fl(end) Mstart(20px) Ov(h) Fxs(0) Bdrs(8px) Z(0)\"><\/div>\n<div class=\"simple-item-content\">\n<div class=\"provider-logo\"><\/div>\n<h4 class=\"Fz(20px) Lh(1.4) Fw(600) D(b) Pos(r) T(2px) My(0) W(100%) Trs(colorTransition) item-hover-trigger:h_C($titleHoverColor)\"><a class=\"Td(n) C($inherit) Td(n) C($inherit) D(f) js-content-viewer rapidnofollow\" href=\"https:\/\/money.yahoo.com\/pricey-summer-travel-162326520.html\" data-uuid=\"c228ffed-cf2d-4248-af43-7090f98e1066\" data-ylk=\"elm:hdln;itc:0;pos:1;sec:readmore;subsec:readmore;cpos:2;ct:story;g:c228ffed-cf2d-4248-af43-7090f98e1066\" data-hosted-type=\"HOSTED\" data-wf-caas-prefetch=\"1\" data-wf-caas-uuid=\"c228ffed-cf2d-4248-af43-7090f98e1066\" data-rapid_p=\"2\" data-v9y=\"1\">Here&#8217;s how to navigate pricey summer travel<\/a><\/h4>\n<div class=\"StretchedBox Z(1)\"><\/div>\n<\/div>\n<\/div>\n<div class=\"action-bar Mt(8px) Mend(8px) D(f) Fld(r) Fxw(w) Jc(sb) Ai(c) Mih(19px) Pos(r)\">\n<div class=\"Fz(12px) C($commentColor)\"><span class=\"provider-name D(ib) Va(m) Ell Maw(115px)\">Yahoo Money<\/span><span class=\"separator Px(4px)\">\u00b7<\/span><span class=\"mins-read D(ib) Va(m) Ell Maw(115px)\">6 min read<\/span><\/div>\n<div class=\"actions\"><\/div>\n<\/div>\n<\/li>\n<li class=\"common simple-list-item stream-item D(n):e Mih(74px) Mt(28px) Mt(0):fc js-stream-content\">\n<div class=\"item-hover-trigger Pos(r)\">\n<div class=\"item-img-wrapper Pos(r) Fl(end) Mstart(20px) Ov(h) Fxs(0) Bdrs(8px) Z(0)\"><\/div>\n<div class=\"simple-item-content\">\n<div class=\"provider-logo\"><\/div>\n<h4 class=\"Fz(20px) Lh(1.4) Fw(600) D(b) Pos(r) T(2px) My(0) W(100%) Trs(colorTransition) item-hover-trigger:h_C($titleHoverColor)\"><a class=\"Td(n) C($inherit) Td(n) C($inherit) D(f) js-content-viewer rapidnofollow\" href=\"https:\/\/money.yahoo.com\/treasury-i-bonds-204629422.html\" data-uuid=\"42ccb9b2-6952-43ab-8896-e28025dd5f1c\" data-ylk=\"elm:hdln;itc:0;pos:1;sec:readmore;subsec:readmore;cpos:3;ct:story;g:42ccb9b2-6952-43ab-8896-e28025dd5f1c\" data-hosted-type=\"HOSTED\" data-wf-caas-prefetch=\"1\" data-wf-caas-uuid=\"42ccb9b2-6952-43ab-8896-e28025dd5f1c\" data-rapid_p=\"3\" data-v9y=\"1\">Here&#8217;s what to know about Treasury I bonds<\/a><\/h4>\n<div class=\"StretchedBox Z(1)\"><\/div>\n<\/div>\n<\/div>\n<div class=\"action-bar Mt(8px) Mend(8px) D(f) Fld(r) Fxw(w) Jc(sb) Ai(c) Mih(19px) Pos(r)\">\n<div class=\"Fz(12px) C($commentColor)\"><span class=\"provider-name D(ib) Va(m) Ell Maw(115px)\">Yahoo Money<\/span><span class=\"separator Px(4px)\">\u00b7<\/span><span class=\"mins-read D(ib) Va(m) Ell Maw(115px)\">4 min read<\/span><\/div>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"padding-bottom:20px; padding-top:10px;\" class=\"hupso-share-buttons\"><!-- Hupso Share Buttons - http:\/\/www.hupso.com\/share\/ --><a class=\"hupso_toolbar\" href=\"http:\/\/www.hupso.com\/share\/\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/static.hupso.com\/share\/buttons\/share-small.png?w=640&#038;ssl=1\" style=\"border:0px; padding-top:5px; 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