Government Operations - The longest government shutdown in US history ended, with funding secured through January 30, and additional funding for agencies like the FDA and Department of Veterans Affairs through 2026 [1][2] - Federal workers will receive their first paycheck in over a month after being furloughed or working without pay since October 1 [3][5] Impact on Federal Employees - Many federal workers reported cutting back on expenses and struggling to afford essentials during the shutdown, with some taking out emergency loans [4][6] - The spending agreement guarantees back pay for federal workers and contractors for hours worked during the shutdown [5] Aviation Industry - The Federal Aviation Administration (FAA) canceled thousands of flights due to reduced staffing, with a gradual return to normal expected over one to two weeks [7][8] - Flight cancellations peaked at about 10% of scheduled flights, but improvements were noted as operations resumed [9] Social Services - The Supplemental Nutrition Assistance Program (SNAP) will resume, benefiting 42 million Americans, with funding secured through most of 2026 [11][15] - Other aid programs like TANF and WIC will also fully resume, and Head Start childcare centers will receive necessary funds [14] Healthcare Costs - Marketplace health insurance costs are expected to spike due to the expiration of enhanced ACA subsidies, with an average increase of over 75% in out-of-pocket premiums for enrollees [16][18] - Changes to Medicaid funding under Trump's legislation remain in effect, potentially affecting millions of low-income Americans [17]

Core Insights - Deciding when to apply for Social Security significantly impacts retirement benefits, with payments increasing by 8% for each year delayed until age 70 [1] Group 1: Social Security Application Timing - Individuals can start collecting benefits as early as age 62, but waiting until full retirement age (67 for most) maximizes benefits [1] - Delaying benefits until age 70 offers no additional advantage beyond the 8% annual increase [1] Group 2: Financial Strategies to Delay Social Security - Tapping into retirement savings or emergency funds can help individuals delay Social Security benefits for larger future payments [3] - Finding part-time jobs or side hustles can provide necessary income without collecting Social Security, with options like pet sitting or driving for rideshare services [4] - Selling a current home and moving to a less expensive one can generate funds to cover expenses until Social Security is claimed [5] Group 3: Government and Community Assistance - Various assistance programs can help cover bills while delaying Social Security, including SNAP for food assistance [6] - Medicaid and subsidized healthcare options can reduce medical expenses, while utility assistance programs offer discounts to qualified seniors [8] - Property tax relief is available for eligible seniors, providing additional financial support [8]