11/20/2025 (posted on 11/19/2025) Trump finally admited usa need foreign countries technicians cant for indoors the white labours job to kick off legal (some illegal or not yet get legal ID) immigrations. the question is too many new narzi born in usa already. isnt that is why Trump tries very hard to block China to get more time for not qualified the white workers become qualified. but it wont work that china has much better environment and chances for qualfied techincians especially high tech. fields.
in person i saw smart 2nd brother cant get promtion chance in usa and airplane compaines moved to Singapore became contractor with no future as my spouse.
my talent nephew cant get 电影 3D 动漫 job as japanbastards control usa 演艺界 and 电影放映 even his professor in person visited the company twice to prove my nephew talents 作品. he returned taiwan his japanese classmate contacted him and gave projects to him as self boss (he hired 4 or 5 coworkers).
i am very carefully type and penny save type to save spouse from homeless caused by Bush wars lost permanent job. but Baiden 大麻 legalized destroy our renter business totally even today scare to rent to 大麻毒瘾 renters or has abnormal kids. that you cant post adv. 拒绝出租 xxx. if unlucky rent out and find the wrong renter you cant make them move out. we got wrong renters all our earned from renting not enough to repair damages.
not mention many years investment all dividends and interest ate up by unit price deeply down caused by endless masters wars.
this is why i warned china people dont invest in usa or you must not use dividends, interests otherwise would be ending as our old lady neighbour 下场.
2013 her lunch meals were bread and potato balls which not smell fresh. 2022 just in a hurry sold her house quite cheap because 3 months cant pay her long term care insurance already. years investment failed. the retired son living with her cant but buy $53,400 mobil house. her 5(or 6?) years long term care insurance would end in 2027 if she still alive where she can live with?
in 2013 (not 2023) i was very envy her without worry no job. spouse under my allured worked till 69 old. her son tried to retire at 62 as trucker got shoulder problem after i adviced how expensive health insurance paied for nothing, he worked till 65 in 2021 got medicare. if he knew 2022 his mom cant but sold house will he continue part time work till 70 (that i told him can get SSR higher interest rate from 65-70) ?
spouse 69 told me cant work a year longer so i was qualified to get Obama offordable health insurance that cant find doctor but far away and hospital lab much far away seemed in scary area. i broke my left arm gave up to do X-ray. cant lift up my arm or unbearable pain for years, still have difficult to reach my upper back bone and became skiny than my right arm.
old lady planned very well but not succeed. from her i even much more carefully but will us$ deeply down cause by huge 美债? will all investment failed that can see toward back to 20210909 balance even worse as 投资者从科技股转向高股息股票? very likely those money cant continue support usa market any more so select certain type not in turn (i can see from all to in turn now only certain type). this time at least can read 投资者从科技股转向高股息股票 news, suspect earlier whether also showing 投资者从 mutual funds 转向科技股(or else) ?
just did comparison 20211221(some data files auto disappeared)-20251119 found spouse account (all are mutual funds) is the worst that - $4,854.99; my IRA (bond) $38.66 (highly suspect hacker stole money it should not lose interest); my RIRA is $787.54 less than spouse who has 2 mutual funds, mine only one with rest of cash (lost confidence in mutual fund and i am not regret at all).
my IRA corp bond unit price $103 monthly interest issued $47.92, so how come 12/21/2021-11/19/2025 became only $38.66 difference, where the generated interest goes ? the worst spouse can see my IRA account which is $91.25 higher than i saw my IRA account.

ps might be corp bond currently updating caused the unit price kept down from $104.7779(was $104.73 in spouse 11/19 9-10pm) to $103.4788(11/20 4:00am) but cant explain 2021 to 2025 only up $38.66 difference.
$47.92 x (11 12 12 12 1)=$2300.16 the bond unit price on 12/21/2021 cant be up over 22% ($2300.16-$38.66=$2261.5) $10000 x1.2261=$12261
ps found a October 01, 2021 - December 31, 2021 statement which showed Estimated Market Price (unit price) is 124.4660 in this case then no stealing happened. quite unbelivable !!
so far only spouse IRA mutual fund down -$4,854.99 and my RIRA made $787.54 less than spouse RIRA. you see it is comparing with 12/21/2021. how can i have any confidence to re-invest in usa market.

when i saw stock unit price down -$0.33 became -1.29%, -$0.49 -1.79% , $0.92 0.90% (the only best one in 4 stocks), -$0.60 -2.53% (should be the worst).
i would say it caused by 3 indexes jump high high but our 4 stocks unit price didnt up, i felt just like us$ value down by print paper money ie 价值被洗薄了 or 架空了 . i also saw the news bit coin deeply down and i am not surprised at all. when it spread virtual coin value jump high and higher i wont 动心 at all.
when we began invested our agent also recommand those mutual funds as how wonderful it is that eggs in different basket wont fail but 3 or 4 of our mutual fund fell down during Bush wars caused economic recession. i had no guts to face it but remember was 4 down however only 3 still can see the liquid value in statements.
now coud happen again and worse.
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how much savings enough for retired (estimated in 2025) for annual income $40,000? 1 million, same as i heard 1999 or 2 million?

10/24/2025 Google searched [how much money is enough for retired seniors ?]
There is no one-size-fits-all answer, but a common benchmark is to save enough to replace 80-90% of your pre-retirement income, which can be calculated using the "4% rule". This rule suggests having 25 times your desired annual income saved by retirement (e.g., for an $80,000 income, youd need $2 million). The total amount needed depends on your lifestyle, healthcare costs, and location.

$80,000 income need $2 million which is impossible for middle-low income,
in 1999? i was told $1 million, so 50% off ie $40,000 income need $1 million base on our case $40,000 - $18,282.4 house taxes ($11,000 estimated not yet know 2nd installment amount, $7282.40 not yet find a decent renter) = $2,1717.60 not included house maintainance and $715 management (if rented $755),
$21717.60 /12 mon = $1809.80/mon definitely not enough to cover utilities and foods, car insurance, not included house insurance...

Common benchmarks and rules of thumb
The 4% Rule:
Withdraw no more than 4% of your retirement balance in the first year, and adjust for inflation thereafter.
Example: If you want to live on an $80,000 annual income, youd need to save $2 million ($80,000 / 0.04 = $2,000,000). ....
--already proved $40,000 was wrong, certainly there is $7282.40 + $715(or $755) if no rental business can add $7997.4/12= $666.45/mon. ie $2,476.25.

searched [what is the max. income for the poor can get social benefits ?]
In Illinois, the maximum income for social benefits varies significantly by program and household size. Key programs like SNAP (Supplemental Nutrition Assistance Program) and Medicaid use different income and household criteria for eligibility.
Supplemental Nutrition Assistance Program (SNAP)
Income limits for SNAP are based on a percentage of the Federal Poverty Level (FPL) and depend on your household size.
Effective October 1, 2025, through September 30, 2026:
Maximum Gross Monthly Income (165% FPL) for most households
Household of 1: $2,152
Household of 2: $2,909 ***
Household of 3: $3,665
Household of 4: $4,421
Maximum Gross Monthly Income (200% FPL) for households with a qualifying member (aged 60+ or disabled)
Household of 1: $2,608
Household of 2: $3,525 *** ps ie $1809.80/mon to $1809.80/mon+ $666.45/mon = $2,476.25 already less than $2,909 or retired $3,525 ie wrong saving formula to calculated retired savings for $40,000 income. no wonder our pre-neighbour old lady in 2013 lunch meal was bread and potato balls. on July 18, 2022 sold out her house in quite cheap price that stop paying long care insurance for 3 months, fortunately insurance allow her to start the 5(or 6?) years program with paied off she owed. ie july 17, 2027 cant continue live in nursing apartment if still survive. in 2013 i was quite envy her got SSA, Medicare without worry no job, expensive pay for nothing health insurance. her income was higher than spouse salary and also had investment accounts. however the badly stock market just same as diaster rental business caused by masters wars and 大麻 legalized turned pity middle-low income living as beggar cant get any social benefits.

in 1997-1999 my dream goal is to have savings $1 million for our retired life. during Bush wars it became $5 millions. still remember a suicide man drived an airplane hit IRS building. 2 times we also suffered mistreated, already mailed before due date with request post office stamp date on envelope, they didnt keep the envelope but force us to pay 1 year delayed huge penalty (they wont until a year later mailed penalty letter) another is banker made mistake submit IRA in stead RIRA form i fought 3 years and every time IRS declared received Bank resubmit form, no worry. year later the penalty jump higher and highest which killed me really wanted to do the suicided man did.

Household of 3: $4,441
Household of 4: $5,358

Medicaid
Medicaid eligibility is also based on income relative to the FPL and differs by the specific program and a persons age or status. Income limits shown are effective in 2025.
ACA Adult Medicaid (Ages 19–64): Income must be below 138% of the FPL.
Household of 1: $1,799 per month
Household of 4: $3,697 per month
All Kids Assist (Ages 18 and younger): Covers children in families with incomes up to 318% of the FPL.
Household of 4: $8,519 per month
AABD Medicaid (Age 65+, blind, or disabled): Income limits are stricter, and there are asset limits.
Individual: $1,304 per month
Couple: $1,762 per month

Temporary Assistance for Needy Families (TANF)
TANF, which provides cash assistance, has a much lower income threshold than SNAP or Medicaid.
Income Limit for a Family of 3: The monthly countable income limit is less than $777.

Important considerations
Countable vs. Gross Income: Most programs use your gross monthly income (before taxes). However, for TANF, your "countable" income is used, meaning some deductions are applied.
Federal Poverty Level (FPL): The FPL is updated annually and varies by household size. In Illinois, many programs use an income limit that is a percentage of the FPL.
Application: You can apply for benefits through the Illinois Application for Benefits Eligibility (ABE) at Abe.illinois.gov or your local Illinois Department of Human Services (IDHS) office.
--any time social benefits would decrease or cancel. pity middle-low income wont support any new added this and that free milk for the poor. i heard 3 states Demacratic party candidates declared they are 中立, we will see how 中立 they are under huge US debts, will still issue/continue this and that free things ? that Trump-side wont allow to pay more taxes. and even forced to pay if Demacratic candidate lose Trump-type immediately lower down tax rate. the question is Trump-type can run away but not pity middle-low income people who are forced to pay forever unless the free milk cancelled or expired.

政府“停摆”持续 美低收入人群食品援助将于11月1日停止 美低收入人群食品援助要停 2025-10-27 06:08:06　来源: 财联社 上海
财联社10月27日电，据央视新闻，当地时间10月25日，美国农业部在其网站上发布通知称，美国联邦政府的“补充营养援助计划”将于11月1日停止。美国农业部称，资金已经枯竭。目前，11月1日将不会发放任何福利。据悉，美国联邦政府的“补充营养援助计划”覆盖约4200万人，主要受益人群为低收入群体，残疾人和老人等，这些人群可使用政府补贴的食品券在指定商店购买食物。

ps 美国政府“停摆”整四周 20多个州发起诉讼 来源：新华网 -2025- 10/28 18:32
...民主党主政的25个州和首都华盛顿当天对联邦政府提起诉讼，要求动用联邦应急资金，以维持这一项目。...由于政府“停摆”，“补充营养援助计划”将于本月31日耗尽资金。这一项目覆盖全美约4200万人，约占总人口八分之一，其中大多数人的收入低于贫困线。接受援助的人可使用联邦食品救济金在指定商店等购买食物。
美国农业部9月表示，打算在“停摆”期间使用联邦应急资金维持“补充营养援助计划”运行。但10月25日，农业部宣布暂停这一项目，11月1日将停止发放食品救济。媒体披露的农业部一份备忘录显示，联邦政府拒绝动用这笔总额约50亿美元的应急资金维持“补充营养援助计划”，理由是法律规定应急资金应用于赈灾之类用途，不能用于日常福利开支。此外，农业部还表示，如果各州11月暂时分摊这一项目的费用，之后不会从联邦政府获得补偿。...责编：任鑫恚
--10/29/2025 how much for 家庭应急资金-cash? in usa we were told 3 months salary amount but Bush wars proved it far away for enough, plus horrible heath insurance didnt cover with hided unknown rules. not mention cant find jobs over a year. many were forced to sell their houses. Not yet recovered other wars following, if you already use your investment dividends, cash sooner or later cant keep your house as our old lady neighbour.
the most safe way is living with your SSA+pension income. those savings (including investment) treat as 家庭应急资金-cash to cover medicare donut which became big and bigger hole, house maintainence and appliances replacement, 交通-related fee and funeral expenses.

searched [did ILL sued Federal government and request use emergency fund ?] Yes,
Lawsuit over SNAP funding amid government shutdown
On October 28, 2025, Illinois Attorney General Kwame Raoul joined a coalition of 25 states and the District of Columbia in suing the U.S. Department of Agriculture (USDA).

Reason for lawsuit: The states are challenging the Trump administrations decision to halt Supplemental Nutrition Assistance Program (SNAP) benefits amid a federal government shutdown. The USDA is refusing to use a contingency fund to continue the payments.
Request for emergency funds: The lawsuit specifically argues that Congress has already appropriated contingency funds for emergencies, which the USDA can use to continue paying SNAP benefits to nearly 2 million Illinoisans.

Lawsuits over Homeland Security and FEMA funding
Illinois and other jurisdictions have also filed or been involved in lawsuits concerning Department of Homeland Security (DHS) and Federal Emergency Management Agency (FEMA) emergency funding.
October 20, 2025: The City of Chicago, along with other local governments, filed a federal lawsuit against the Trump administration. The suit challenges new restrictions placed on DHS grant awards, which would require the city to dismantle diversity, equity, and inclusion (DEI) programs to receive the emergency funding.
September 24, 2025: Attorney General Raoul won a key victory in a multistate lawsuit against the administration. A federal court ruled that the DHS and FEMA could not illegally withhold emergency preparedness funding from states over their immigration enforcement policies.
July/August 2025: Following severe flooding, the state of Illinois requested federal disaster assistance, which was denied. Illinois is appealing this denial.
--i only care whether pity middle-law income in the end pay more IRS and State taxes.
------------------------更新 12/27/2025
12/27/2025 just searched [SS rule the wife can get 50% of the husband retired SS income, even if the wife didnt work in usa ?]Yes, a wife can often get up to 50% of her husbands Social Security retirement benefit even if she never worked in the U.S., provided she meets criteria like being married for at least a year and waiting until at least age 62 (32.5% reduced) SS (66.5 old not 70old spouse applied SS) x 50% x (1-32.5% at 62) < $900 at 62 applied spouse benefit that means if spouse applied at 66.5 old (full retirement) = less than $2666 (remember got SS $8xx less than $900 at 62). spouse applied at 70 got $3200? the old lady SS higher than spouse(66.5 old SS, Bush wars ended over 10 years contractor got 50% IT manager salary as 50% paied to HR company) as phone service employee.
[what is SS adjustment rate since 2015 ?] 2015: 1.7%, 2016: 0.0% (70 old applied SS), 2017: 0.3%, 2018: 2.0%, 2019: 2.8% (some sorece list 1.6%), 2020: 1.6% (1.3%), 2021: 5.9% (1.3%), 2022: 8.7%(5.9%), 2023: 3.2% (8.7%), 2024: 3.2%, 2025: 2.5%, 2011: 0.0%(65 old),
And 2012: 3.6% (66), 2013: 1.7% (May 66.5 old), 2014: 1.5%.

so 2013 $2666 x(1 1.7%)=2014 $2674 x(1 1.5%)=2015 $2714.11 x(1 1.7%)= 2016 $2760.25 x(1 0.3%)=2018 (2017=2016) $2768.53 x(1 2%)= 2019 $2823.90 x(1 2.8%)=2020 $2902.97 x(1 1.6%)=2021 $2949.42 x(1 5.9%)=2022 $3123.43 x(1 8.7%)=2023 $3395.17 x(1 3.2%)=2024 $3503.82 x(1 3.2%)= 2025 $3615.94 x(1 2.5%)=2026 $3706.34
however 2013 May 66.5 old to 2016 Nov 70 old applied got SS 7%@year interest, in 2025 get $600 ? more.

2013 $2666 x(1 1.7% 7%)=2014 $2897.94 x(1 1.5% 7%)=2015 $3144.26 x(1 1.7% 7%)= 2016 $3417.82x(1 0.7%)=2017 $3657.06x(1 0.3%) = 2018 $3668.03 x(1 2%)= 2019 $3675.36 x(1 1.6% x2.8%)=2020 $3734.17 x$3778.27x(1 1.3% x1.6%)=2021 $3782.71 x$3838.73x(1 1.3% x5.9%)=2022 $3831.86 x$4065.21 x(1 5.9% x8.7%)=2023 $4057.97 x(1 3.2% x8.7%)=2024 $4187.82 x(1 3.2%)= 2025 $4321.83 x(1 2.5%)=2026 $4429.88
spouse got less might be 7% interest in 2013 should be 3.5%(May to Nov) .

why spouse got the lower rate in 2019, 2020, 2021 and 2023 only GOD knew. we will never find the reason.
2019: 2.8% (Note: Some sources list 1.6% for 2020),
2020: 1.6% (Some sources list 1.3% for 2021)
2021: 5.9% (Some sources list 1.3% for 2020),
2022: 8.7%(5.9%)
2023: 3.2% (Note: Some sources list 8.7% for 2023 and 5.9% for 2022)

searched [ if husband dies, wife already apply SS at 62 old, will the wife SS increase to husband 66.5 SS 100% or no change?]
[if husband dies, wife didnt work in usa already apply SS at 62 old as spouse benefit, will the wife SS increase to husband 66.5 SS 100% or no change?]Yes can increase to 100%,Upon His Death: You are now eligible for Survivor Benefits, which are different benefit.---> ie $2666.
that is my younger brother told me to apply at 62. i did search the same question but got wrong or unclear answear till today confirmed what he told me is the truth.
that made me feel better if SS doesnt fall down. spouse takes 2 more exercise except walking. that is very good, only wish he can live as longer as possible.

美媒关注“斩杀线”出圈：美国人的生存线还可能继续上移 2025/12/27
--12/28/2025 it depends how long SS wont fall down, how many usa companies provide 401K better mutual funds or else selection. the worst we had: offered by HR company(5.xx, 8.xx, 8.xx, 10.xx) and IT company-1 (3 or 4 fell down already) another IT company-2 frequently merged, split off have no idea how much we loss. we self bought 85 shares Pru is the best that -$0.58 -0.51%; quarterly dividends $114.75 which covering those unit price kept down. especially the percetage not down -$1:-1% but -2% ( 洗薄 or 掏空) it is called 镜花水月一场空 others such as -$0.43 -1.47%. dont know what it really mean but instinct felt badly as 洗薄 or 掏空 Laaa. during Trump 2nd term can he maintain not more mutual funds continue falling down?