Confidence fell 6 points for workers, 5 points for retirees: Only 64% of Americans feel confident about retiring comfortably (down to 61% for workers, 73% for retirees) — likely due to "immediate financial pressures and long-term uncertainty" including debt, inflation, and rising housing and healthcare costs.

Debt crushing retirement savings for majority: 65% of workers say debt is a household problem (25% call it "major"), half have credit card debt, and nearly one in three carry over $25,000 in non-mortgage debt — three in five workers and three in 10 retirees say this debt has impacted their ability to save or live comfortably.

70% of retirees fear government will change Social Security: Four in five workers are concerned the government will alter the retirement system, and about half of workers and six in 10 retirees believe the future value of Social Security and Medicare will decline — two-thirds of workers expressed interest in a Social Security bridge annuity providing income until age 70.

Medicare would pay 80% of food/nutrition services: H.R. 8391 introduced by Rep. Raul Ruiz (D-CA) would add "food and nutrition services" to Medicare Part B coverage for the first time — matching the standard 80% cost-sharing structure for outpatient services, with changes taking effect 180 days after enactment if passed.

RFK Jr. decides what qualifies, not the law: The bill gives HHS Secretary Robert F. Kennedy Jr. full authority to define which food and nutrition services are covered and what requirements they must meet — scope could include medically tailored meals or nutrition counseling for chronic illness, but "the devil is in the details" of what actually qualifies.

Would also become mandatory Medicaid benefit: States would be required to provide food and nutrition services as part of Medicaid programs rather than optional benefits — supporters say it could improve health outcomes and reduce long-term costs, but bill has only one sponsor, no cosponsors, and no hearings or votes scheduled yet.

Survivor keeps only the larger check, smaller one disappears: If a couple receives $2,800 and $1,600 monthly ($4,400 total), the survivor keeps only the $2,800 benefit — losing $1,600/month immediately while rent, utilities, insurance, and property taxes "don't negotiate," leaving survivors with 64% of prior income when they need 70-80%.

Tax situation gets much worse as single filer: The 22% tax bracket starts at $50,401 for singles vs. $105,700 for couples, standard deduction drops from $35,500 (married couple 65+) to $18,150 (single 65+) — plus Medicare IRMAA thresholds cut in half from $218,000 joint to $109,000 single, triggering surcharges on less income.

Delay higher earner to 70 and do Roth conversions now: Claiming at 70 instead of 67 adds 24% to the benefit (max $5,181 vs. $4,207) which becomes the survivor's permanent income floor — and converting traditional IRA to Roth while both alive reduces future taxable RMDs and Medicare surcharges when survivor files as single filer.