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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

Medicare Enrollment Periods Explained: Initial, Special, and General Enrollment Deadlines

September 18, 2026September 6, 2026 by L. Leonard
Couple in their sixties walking into a community center

Confused about Medicare enrollment deadlines? Learn how the Initial, Special, and General Enrollment Periods work and how to avoid costly penalties.

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VA Pension vs VA Disability Compensation: What’s the Difference and Who Qualifies

September 18, 2026September 6, 2026 by L. Leonard
Older man sitting in his living room armchair

VA Pension vs VA Disability Compensation: learn the key differences, who qualifies for each, and why VA won’t pay both at once.

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Federal Student Loan Default: How to Rehabilitate Your Loan Step-by-Step

September 18, 2026September 5, 2026 by L. Leonard
Young man on a phone call at his kitchen counter

Learn how to rehabilitate a defaulted federal student loan step-by-step, remove default from your credit report, and stop wage garnishment.

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Dependent Care FSA vs Child and Dependent Care Tax Credit: Which Saves More

September 18, 2026September 5, 2026 by L. Leonard
Father saying goodbye to his young son at daycare

Dependent Care FSA vs Child and Dependent Care Tax Credit: see which saves more based on income, tax bracket, and employer benefits.

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Inherited IRA Rules: How Much You Must Withdraw and When

September 18, 2026September 4, 2026 by L. Leonard
Woman sitting in quiet thought at her dining table

Inherited an IRA? Learn the 10-year rule, RMD requirements, and beneficiary categories to avoid costly IRS penalties on your withdrawals.

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Required Minimum Distributions (RMDs): How to Calculate Yours and Avoid Penalties

September 18, 2026September 4, 2026 by L. Leonard
Retired couple walking together along a garden path

Learn how to calculate your Required Minimum Distribution (RMD), meet IRS deadlines, and avoid costly penalties on IRAs and 401(k)s.

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American Opportunity Credit vs Lifetime Learning Credit: Which Education Tax Break Saves More

September 18, 2026September 3, 2026 by L. Leonard
Mother and college-age daughter talking across a kitchen island

American Opportunity Credit vs Lifetime Learning Credit: compare rules, income limits, and refund value to find which education tax break saves you more.

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How to File a Tax Extension: Form 4868 Step-by-Step

September 18, 2026September 3, 2026 by L. Leonard
Man leaning back at his desk with a relieved smile

Learn how to file Form 4868 step-by-step to get a six-month tax extension to October 15, 2026. Remember: you still must pay owed taxes by April 15.

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Energy Efficient Home Improvement Tax Credit: What Qualifies and How Much You Get

September 18, 2026September 2, 2026 by L. Leonard
Contractor fitting a new window while the homeowner watches

Learn what qualifies for the Energy Efficient Home Improvement Tax Credit, how much you can claim (up to $3,200), and the 2025 deadline to act.

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VA Disability Compensation Rates 2026: Amounts by Rating and Dependents

September 18, 2026September 2, 2026 by L. Leonard
Military veteran standing in his backyard at golden hour

VA disability compensation rates for 2026 with the 2.8% COLA increase applied — full pay charts by rating (10%-100%) and dependents, effective December 1, 2025.

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