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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

SEP IRA vs Solo 401(k): Which Is Better for the Self-Employed

October 10, 2026 by L. Leonard

SEP IRA vs Solo 401(k): see which plan lets the self-employed save more, offers Roth options, and fits your income level best.

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Qualified Charitable Distribution (QCD): How to Give From Your IRA Tax-Free

October 9, 2026 by L. Leonard

Learn how a Qualified Charitable Distribution (QCD) lets retirees give from their IRA tax-free, satisfy RMDs, and maximize charitable giving benefits.

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How to Get an IRS Tax Transcript (and Which Type You Need)

October 9, 2026 by L. Leonard

Learn how to get the right IRS tax transcript fast — online in 10 minutes or by mail in 5-10 days — and which of the 5 types you actually need.

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How Your Social Security Benefit Amount Is Calculated (AIME, PIA, and Bend Points)

October 8, 2026 by L. Leonard

Learn how AIME, bend points, and PIA combine to calculate your Social Security benefit amount—demystify your SSA statement step by step.

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Medigap vs Medicare Advantage: Which Supplemental Coverage Costs Less

October 8, 2026 by L. Leonard

Medigap vs Medicare Advantage: compare premiums, out-of-pocket costs, and coverage to see which supplemental option truly costs less for you.

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How to Apply for CHIP Coverage: Step-by-Step by State

October 7, 2026 by L. Leonard

Learn how to apply for CHIP coverage step-by-step by state, including required documents, timelines, and income qualifications for your kids.

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How to Set Up a Representative Payee for Social Security Benefits

October 7, 2026October 7, 2026 by L. Leonard
Adult son sitting with his elderly father at the kitchen table, talking something through

Learn how to become a representative payee for Social Security or SSI benefits, including the application process, interview, and required documents.

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How to File an Amended Tax Return: Form 1040-X Step-by-Step

October 7, 2026October 6, 2026 by L. Leonard
Man focused on a laptop at his dining table

Learn how to file Form 1040-X to amend your tax return, including deadlines, processing times, and step-by-step instructions from the IRS.

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CHIP (Children’s Health Insurance Program): Income Limits and What It Covers

October 7, 2026October 6, 2026 by L. Leonard
Mother holding her young child in a pediatric clinic waiting room

CHIP income limits vary by state, ranging roughly $66,000-$132,000 for a family of four. Learn eligibility rules and what CHIP covers for kids.

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Are Unemployment Benefits Taxable? What You Owe the IRS

October 7, 2026October 5, 2026 by L. Leonard
Man at his home desk rubbing the back of his neck

Are unemployment benefits taxable? Yes—learn why the IRS taxes them, how much you’ll owe, state rules, and how to avoid a surprise tax bill.

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