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Delaying your Medicare enrollment also allows your husband to continue making contributions on your behalf to his health savings account.

The "big, beautiful bill" that aligns with President Donald Trump's broader economic agenda and was unveiled by House Republicans on Monday includes a so-called "MAGA" savings accounts for kids.

He also said that people with no savings should consider "paying yourself first", by putting a few pounds into a savings account when their receive their income.

Almost all lend a hand on an ongoing basis, whether contributing to savings accounts, setting up trusts or defraying the costs of college tuition, medical bills and other expenses.

This stuff matters, even to people whose investment portfolio doesn't extend past a $500 savings account.