The chaos from the government shutdown might not be over — even as Capitol Hill reopens its doors. The longest shutdown in US history ended Wednesday, with the House reaching an agreement to fund the federal government through January 30. It also sets aside money for agencies like the Food and Drug Administration and the Department of Veterans Affairs through 2026.The 43-day-long shutdown disrupted everything from benefit programs to air travel to employee paychecks. And, though federal agencies are resumi ...

社会保障申领策略 - 提早申领社会保障退休金（最早62岁）将导致月度支付金额减少 [1] - 等待至完全退休年龄（多数人为67岁）可领取全额福利 [1] - 完全退休年龄后每延迟一年申领 福利金将增加8% 直至70岁后不再有额外优势 [1] 延迟申领的替代资金来源 - 优先动用其他退休储蓄账户或应急资金以支撑延迟申领社会保障 [3] - 通过兼职或零工经济工作（如宠物看护、网约车司机）每月赚取1000至2000美元弥补收入缺口 [4][7] - 利用房屋净值信贷额度或反向抵押贷款（适用于62岁以上人群）但需谨慎评估风险 [4] 降低生活成本的援助计划 - 补充营养援助计划（SNAP）为延迟申领者提供食品购买财务援助 [6] - 医疗补助或补贴医疗计划可帮助减轻医疗保健开支 [8] - 公用事业公司为合格老年人提供折扣 地方财产税机构亦提供税收减免政策 [8] 资产置换方案 - 出售现有住房并置换低价房产 利用差价支付延迟申领期间的生活账单 [5]