About Terry
Terry Savage is a nationally recognized expert on personal finance, the economy and the markets. She writes a weekly personal finance column syndicated in major newspapers by Tribune Content Agency.
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Terry's Columns
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Identity Theft, Scams and Protection
It’s the holiday shopping/scamming season. And that makes it a good time to think about...
Written on December 16, 2025 -
IRMAA Increases Medicare Premiums
Every senior on Medicare should be intimately familiar with IRMAA – the initials that stand...
Written on December 09, 2025 -
Year-End Planning Checklist — and...
This is the time of year when I typically offer financial planning advice to those...
Written on December 01, 2025 -
Small Biz Health Insurance Deal...
Suddenly millions of working Americans can no longer afford “Obamacare” health insurance, as premium subsidies...
Written on December 01, 2025 -
Happy Thanksgiving — and an...
Once upon a time parents and children sat down together for the toughest talk: the...
Written on November 24, 2025 -
Waiting to take Social Security
You may have seen videos making the rounds on TikTok or other social media. Or...
Written on November 09, 2025 -
RMD Time — Again!
Time flies – and never so quickly as we approach the annual deadline for taking...
Written on November 05, 2025 -
Medicare Beware! A Special Report
The weeks between October 15th and December 7th are Open Enrollment – where seniors must...
Written on October 14, 2025 -
Medicare Beware #3: Part D...
You may not be taking prescription drugs when you sign up for Medicare at age...
Written on October 14, 2025 -
Medicare Beware #2: Switching Plans
Last week’s column explained the key decisions you must make about Medicare – either when...
Written on October 14, 2025
Ask Terry
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“Personal Capital vs. Empower Personal Wealth”
Hi Terry, We read your book, The Savage Truth on Money, and are interested in.. -
“CDs or Treasury Bills?”
I have CDs maturing in the first week of January. Should I roll them over.. -
“Social Security”
I am still working but turning 70 in a few months and hoping to retire.. -
“Paying Estimated Quarterly Taxes Online”
Hi Terry- You spoke briefly about paying estimated quarterly taxes by going to https://www.irs.gov/payments on.. -
“IRMAA bracket correction!”
Your numbers for the Medicare groups for the IRMAA for 2026 are not correct. When.. -
“Medicare & IRMAA”
Hi Terry So glad to see you addressed this in your recent Tribune column. In.. -
“IRMAA”
Can I dispute IRMAA? Where do they get the earnings number from? I don’t think.. -
“Capital loss vs std deduction”
As a senior citizen my standard deduction is more than enough to reduce my AGI.. -
“Defined Outcome ETFs”
What are your thoughts on the Defined Outcome ETFs (or Buffer ETFs)? We are nearing.. -
“Financial and Medical Record Retention”
My mother-in-law passed away 3 plus years ago. How long do we need to retain..
Terry has explained personal finances to employees of organizations large and small, including:
