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L. Leonard

L. Leonard researches and writes Obviously Oblivious's coverage of US benefits, tax credits, and everyday money rules. Every figure published here — income limits, premiums, deadlines, credit amounts — is checked against the agency that sets it (SSA.gov, IRS.gov, Medicare.gov, CMS.gov, StudentAid.gov) before it goes live, and articles are updated when the underlying rules change rather than left to go stale. Drafting is AI-assisted and every article is verified against primary sources before publication; the full process is documented in our Editorial Policy. Corrections and topic requests: contact@obviouslyoblivious.com

Qualified Business Income (QBI) Deduction: Who Qualifies and How Much You Save

October 15, 2026 by L. Leonard

Learn who qualifies for the QBI deduction, how to calculate your 20% tax savings, and 2026 income thresholds for self-employed and small-business owners.

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Social Security Wage Base Limit 2026: How Much Income Is Taxed for Social Security

October 14, 2026 by L. Leonard

2026 Social Security wage base limit is $184,500, up from $176,100 in 2025. Learn how this cap affects your payroll tax and take-home pay.

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Medicaid Nursing Home Coverage vs Long-Term Care Insurance: What’s Covered

October 14, 2026 by L. Leonard

Compare Medicaid nursing home coverage and long-term care insurance: how each works, who qualifies, and which fits your situation best.

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How to Fill Out Form W-4: A Step-by-Step Guide to Withholding

October 13, 2026 by L. Leonard

Learn how to fill out Form W-4 step by step, including allowances, dependents, and multiple jobs, so your paycheck withholding matches your tax situation.

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Annual Gift Tax Exclusion 2026: How Much You Can Give Tax-Free

October 13, 2026 by L. Leonard

2026 annual gift tax exclusion is $19,000 per person ($38,000 for married couples splitting gifts). Learn how the IRS rule works and stays tax-free.

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Mileage Deduction Rate 2026: How Much You Can Deduct Per Mile

October 12, 2026 by L. Leonard

2026 IRS mileage rates explained: 72.5¢/mile (Jan-Jun), 76¢/mile (Jul-Dec) for business, plus medical, military, and charitable rates. Know what you can deduct.

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VA Home Loan Certificate of Eligibility: How to Get Yours and Qualify

October 12, 2026 by L. Leonard

Learn how to get your VA Certificate of Eligibility fast, who qualifies, and what documents you need to secure your VA home loan benefits.

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Military Retirement Pay vs VA Disability: Can You Get Both? CRDP and CRSC Explained

October 11, 2026 by L. Leonard

Can you get military retirement pay and VA disability together? Learn how CRDP and CRSC work, which pays more, and how to choose the right option.

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Qualifying Widow(er) Filing Status: Who Qualifies and How Much You Save

October 11, 2026 by L. Leonard

Learn who qualifies for Qualifying Widow(er) status, how it uses joint tax brackets, and how much you could save on your tax return.

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Backdoor Roth IRA: How It Works and Who Should Use It

October 10, 2026 by L. Leonard

Learn how a backdoor Roth IRA works, 2026 income limits, the pro-rata rule, and who should use this strategy to grow tax-free retirement savings.

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