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Savvy Senior: How Much Do You Have to Make to File Taxes in 2025?
By Jim Miller
Dear Savvy Senior,
What can you tell me about the IRS income tax filing requirements for retirees this tax season? My earned income stopped when I retired last March, so I’m wondering if I need to file a tax return this year.
Retired in 2024
Dear Retired,
Whether or not you are required to file a federal income tax return this year will depend on how much you earned last year, as well as the source of the income, your age and filing status.
Here’s a rundown of this tax season’s IRS tax filing requirement thresholds.
For most people, this is pretty straightforward. If your 2024 gross income – which includes all taxable income, not counting your Social Security benefits unless you are married and filing separately – was below the threshold for your filing status and age, you probably won’t have to file. But if it’s over, you will.
- Single: $14,600 ($16,550 if you’re 65 or older by Jan. 1, 2024).
- Married filing jointly: $29,200 ($30,750 if you or your spouse is 65 or older; or $32,300 if you’re both over 65).
- Married filing separately: $5 at any age.
- Head of household: $21,900 ($23,850 if 65 or older).
- Qualifying surviving spouse: $29,200 ($30,750 if 65 or older).
To get a detailed breakdown on federal filing requirements, along with information on taxable and nontaxable income, call the IRS at 800-829-3676 and ask them to mail you a free copy of the “1040 and 1040-SR Instructions for Tax Year 2024,” or you can see it online at IRS.gov/pub/irs-pdf/i1040gi.pdf.
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Speaking of Testimonials: A Few More ‘What They’re Saying’ From the Latest Workshop
From the most recent 2 hour autobiographical writing workshop:
“I had a blast! Mr. McNease’s workshop was a revelation. His ability to quickly break through writer’s inhibition and get you to simply write is refreshing. He quickly set my mind at ease! Highly recommend him.” – Al
“I thoroughly enjoyed your workshop for Guided Autobiography. The exercises were fun, and I enjoyed sharing with others in the group. I came away feeling less daunted about this sort of writing. It does not have to be a huge work. It can be fun and entertaining, a way to tell stories about life, that in the telling may unearth new thoughts and perspectives.” – Val
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Another Workshop, Another Success
I conducted another 2 hour autobiographical writing workshop and they loved it! I’d donated this to the Uniteraian Universalist auction held several months ago for our congregation. It was at our friend Doris’s house. Our other friend Kathi, who only comes to visit once a year, was completely surprised: she had no idea we were doing this, and I even doubly suprised her by saying I was meeting with a client and had to go out for awhile when in fact I went to Doris’s house to prepare.
I keep getting very positive feedback on the workshops and my ability as a facilitator. My third (or fourth or fifth) act is going very well.
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The Weekly Readlines February 16
From the Editor’s Desk:
Photo: the late Sylvia Rivera
The beauty of battle scars
You may know by now that the ‘T’ was removed from LGBT on the Stonewall Monument’s web page (surely they will rescind its designation altogether soon). I met Sylvia Rivera before her death. I interviewed her. We attended the same church, MCC New York, whose pastor, Rev. Pat Bumgardner, married me and my husband. Sylvia was the trans activist who was at Stonewall, along with others. She was a bottle-thrower and a fire starter. The idea that our progress, now under attack, happened without transgender people is a lie, and the hope some of us have that we’ll be spared without the ‘T’ is delusional. They are coming for us all, even if it’s one letter at a time. Throwing anyone under the bus will only get you crushed by the wheels.
BIG CUP: THE WEEK’S TOP STORIES
In this continuing nightmare …
Trump Cabinet picks continued to be confirmed, one horrible nominee at a time.
The Trump administration continued to do Putin’s bidding, much to the delight of the Kremlin.
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The Twist Podcast #286: Kennedy Center DOA, Apocalyptic Fun Facts, and a New Rick Rose Interview
Join Mark and Rick as we throw a rose on the grave of the Kennedy Center, serve up some fun facts about the apocalypse, and listen to Rick’s interview with Sowan Weaver.
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The Weekly Readlines February 8
BIG CUP: THE WEEK’S TOP STORIES
And just like that … the Kennedy Center gets knifed
We will be Hungary very soon at this rate. Trump claims he has fired most of the board of the Kennedy Center and is naming himself Chairman. None of this is legal, of course. Most of what they are doing it not legal, but in this new grotesque version of America, will we finally accept that ‘legal’ doesn’t mean anything to Trump and the architects of Project 2025? Nothing at all! I am weary of reading that ‘it’s not legal’ as if that is any reassurance. The rule of law is for suckers. It seems my late father fought in Germany for absolutely nothing.
LGBTQ
Impact Of Mass Deportations On LGBT People – Williams Institute – UCLA
The Hidden History Of Trans Health Care – Mother Jones
‘I Worry For Myself.’ Hundreds Debate Adding Abortion And LGBTQ Rights To CT Constitution
U.S. AND BEYOND
US Immigration Is Gaming Google To Create A Mirage Of Mass Deportations – The Guardian
Elon Musk’s Assault On US Government Prompts Muted Republican Disquiet – The Guardian
Trump Appears To Support Ending US Education Department And Says He Will ‘Wind Down’ Usaid
‘Am I Now A Walking Target?’ The Canadians Boycotting Travel To The United States Because Of Trump
Argentines March In Defence Of Diversity, Blasting Milei’s Anti-Woke Diatribes – France 24
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The First In-Person Workshop of 2025
And yet, he persisted
This is the space at Bucks on Bridge Coffee Shop in Lambertville where I can now do in-person workshops! The collective Soupcon took it over and I joined. This is going to be a busy and exciting year for me. This was today’s 2 hour guided autobiography introductory workshop. They liked me (they really liked me)! But seriously, I learn so much from doing this, and it’s a privilege to have people share their lives in this process.
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Savvy Senior: Driving with Dementia and Knowing When to Stop
By Jim Miller
Dear Savvy Senior,
When should someone with dementia stop driving? My 83-year-old father has some dementia issues but still drives himself around town pretty well.
Concerned Daughter
Dear Concerned,
Most doctors agree that people with moderate to severe dementia should never get behind the wheel, but in the early stages of Alzheimer’s or other types of dementia, driving performance should be the determining factor of when to stop driving, not the disease itself.
With that said, it’s also important to realize that as your dad’s driving skills deteriorate over time from the disease, he might not recognize he has a problem. So, it’s very important that you work closely with his doctor to monitor his driving and help him stop when it is no longer safe for him to drive. Here are some additional tips that can help you.
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Updated Workshop Schedule Through May
All times are eastern (New Jersey) – 2 Hours
Register at the links belowNEW FOR 2025!
IN-PERSON WORKSHOPS IN LAMBERTVILLE
NEW HOPE ADULT WRITERS GROUP
CLINTON ADULT WRITERS GROUPFRIDAY FEBRUARY 7
Guided Autobiography 2-Hour Complimentary Introduction (free)
9:00 am – 11:00 am
Location: Soupcon at Bucks on Bridge
25 Bridge Street, Lambertville, NJ
Please specify the workshop or group in your subject line!
RSVP (LIMIT 8)EVERY 2ND AND 4TH TUESDAY
Adult Writers Group
6:00 – 7:00 pm
Location: New Hope Free Library
93 W. Ferry Street, New Hope, PA
Please specify the workshop or group in your subject line!
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Mark McNease On Topic Substack Teaser
The following is just a tapas plate from my Mark McNease On Topic Substack. Every Monday musings you can subscribe to HERE. It’s free!
First, a big hello to new subscriber Steve! We encountered each other on Bluesky. Steve is a very nice addition to the Tree House. At this rate I’ll have to get a contractor in soon and expand the place. Anyone know a good elf?
From the Editor’s Desk
I wonder if this should be called ‘From the Trenches,’ considering what’s happening to the country.
When is a friend not a friend?
Something I struggle with is the sense of betrayal and mistrust I now feel toward anyone I know who voted for Trump. There are people in my life who made that choice, and yet I know them as ‘good’ people who don’t display any malice. And yet … and yet … I feel like a Jew may have felt in 1933 wondering who among my neighbors and friends would protect me, and who among them would direct the Gestapo to my door.
I won’t ask them, but I can’t shake the feeling that I already know. It’s one of the many reasons I left Facebook: my life, our life, is precious and I won’t put it on display for anyone who isn’t appalled that Black history and experience is being erased from our federal government. Spanish-speaking Americans, and their language, are now of no consequence to the regime. Women’s reproductive freedom is something we once imagined. And LGBTQ lives no longer matter in any way.
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The Weekly Readlines February 2
A NOTE FROM THE EDITOR’S DESK:
America, we hardly knew ye. It’s been less than two weeks and already Trump and Project 2025 have taken a jackhammer to the country’s foundations. It’s a tragi-comedy in two acts: his first and second terms, and it’s not even intermission yet! But as horrible as it all is, remember that people have gone through worse. 400 years of slavery. Native genocide. AIDS. It’s why I cannot allow myself to shed tears only to have them savored by MAGA. We remain undefeated and unbowed.
Some Spectacular Lowlights
US Federal Websites Scrub Vaccine Data And LGBT References
Transgender People Removed From State Department Travel Page – Los Angeles Blade
CDC Researchers Ordered to Retract Papers Submitted to All Journals – MedPage Today
NOTE: “In the order, CDC researchers were instructed to remove references to or mentions of a list of forbidden terms: “Gender, transgender, pregnant person, pregnant people, LGBT, transsexual, non-binary, nonbinary, assigned male at birth, assigned female at birth, biologically male, biologically female,” according to an email sent to CDC employees (see below).”
Take a quick breather and keep reading for more news …
BIG CUP: THE WEEK’S TOP STORIES
Following the first major plane crash in 16 years, Trump blamed “DEI,” Biden, woke-whatever, and Pete Buttigieg, whom he seems to think is still the Secretary of Transportation. He also responded to a question about visiting the crash site by saying, “What site? The water? You want me to go swimming?” Comforting words for the families of the deceased.
We learned that RFK Jr. enjoyed putting baby chickens and live mice in a blender to feed his hawks. Tuberculosis made a comeback in Kansas.
Leaked DoD memo shows halting of all non-white / Christian observances, including Holocaust Remembrance Day. (Nothing says “Never again” like erasing the Holocaust.)
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Dave Hughes: Should You Take That Early Retirement Package?
Reprinted with permission from RetireFabulous.com
By Dave Hughes
RetireFabulously.comMy former employer (a large household name corporation) recently announced their intention to reduce their workforce by 15%. To accomplish that, they are offering eligible employees a generous early retirement package.
So far, four of my friends who still work there are taking it. Another friend who is 56 and was planning to work at least into his 60s, is thinking about it.
I was in the same situation over 11 years ago. I was 56 at the time (almost 57) and planned to work another 3½ years. But the company offered a generous package and after running the numbers and contemplating at great length, I decided to do it.
I’ve never regretted my choice.
Admittedly, I would have benefitted from another 3½ years of salary. I became a wedding officiant for five years to earn supplemental income until I started taking Social Security at 62.
But I was ready to end my career. Fortunately, I already had a clear picture of what I wanted to do with my life after I retired. If you’ve read some of the articles on this website or my books, you know that I firmly believe this is one of the keys to a happy, fulfilling retirement.