Guides
Financial mini-audit guides
Each guide is a structured mini-audit: direct answer, eligibility screen, official lookup steps, scam warnings, and a checklist with progress saved locally in your browser. Run a personalized audit to connect the dots for your household.
How to Find Unclaimed Money
Search every relevant state and the separate federal databases for unclaimed property, unpaid wages, bonds, pensions, and other money that may still be held for you.
Open guideHow to Find a Lost 401(k), Pension or Retirement Plan
Build a former-employer worksheet, search the DOL Retirement Savings Lost and Found, PBGC, and state unclaimed property, then record what the result actually means.
Open guideMedical Bill and Insurance Appeal Guide
Compare your bill with your insurer’s Explanation of Benefits, identify possible errors, and determine the appropriate appeal or assistance path.
Open guideHow to Read an Explanation of Benefits
An EOB is not a bill. Learn the four figures that let you compare a provider statement with what the plan says you owe.
Open guideHow to Appeal a Health Insurance Claim Denial
Use the denial notice, file the plan’s internal appeal, and only then consider external review or a regulator complaint.
Open guideNo Surprises Act Screening for Unexpected Medical Bills
Screen whether an unexpected out-of-network bill may have federal surprise-billing protections before you pay the full billed amount.
Open guideHospital Financial Assistance and Payment Plans
Ask a nonprofit hospital for its financial-assistance policy and an interest-free written plan after you confirm the bill is valid.
Open guideWhat to Do When a Medical Bill Goes to Collections
Request written validation, compare the collector’s amount with the EOB, and dispute credit-report errors with documentation.
Open guideUninsured Medical Bills and Good Faith Estimate Disputes
If you were uninsured and the bill is far above a written estimate, request the itemized bill and use the official estimate-dispute path.
Open guideJob-Change Financial Checklist
Build before-last-day, coverage-transition, and new-job timelines for retirement, insurance, FSA/HSA, and enrollment deadlines — then turn the dates into an audit calendar.
Open guideUnused Employee Benefits and FSA Deadlines
Inventory retirement, healthcare accounts, and overlooked workplace perks from the actual plan documents — then record usage and deadlines locally.
Open guideMissing, Delayed or Offset Tax Refund
Separate a still-processing return from a sent refund, an offset, a lost check, or a state refund — using IRS status tools and transcripts without uploading tax returns.
Open guideHow to Remove Private Mortgage Insurance
Classify the loan, gather original value and current balance, then use CFPB cancellation and automatic-termination rules — with an educational LTV estimate only.
Open guideCalifornia Unclaimed Property Search
Use California’s official State Controller search, name-variation strategy, claim-status tracking, and deceased-owner process — not a renamed national checklist.
Open guideGift-Card Expiration and Cash-Redemption Laws
Classify the card type, apply the federal CARD Act baseline, then check verified high-population state rules for expiration, inactivity fees, and small-balance cash redemption.
Open guideRecovering Costs After Property Damage, Injury or Another Loss
Route a loss to possible coverage paths, document the claim, and escalate denials — without promising that any insurer must pay.
Open guideSecurity Deposits and Utility Move-Out Refunds
Split rental-deposit and utility-balance recovery, cite verified state deposit rules, and build a local move-out checklist from state, date, and statement status.
Open guideDisability Benefits and Financial Help
Map employer disability, Social Security programs, state help, workplace accommodations, healthcare costs, and caregiver support — without requesting a diagnosis.
Open guidePet Medical Expense Help
Separate genuine reimbursement paths from financial aid: pet insurance, wellness plans, billing errors, third-party injury, product incidents, charity, and payment options.
Open guideMoving Financial Checklist
Close, transfer, and forward money-related accounts before and after a move so deposits, refunds, and official mail do not land at the old address.
Open guideMarriage Financial Checklist
Update names, tax filing, benefits, beneficiaries, and official accounts after a marriage — using IRS, SSA, and Marketplace rules without uploading certificates here.
Open guideAdoption Financial Assistance
Map employer adoption benefits, the IRS adoption credit or exclusion, and official state or agency assistance — without uploading court or home-study files.
Open guideNew-Baby Benefits Checklist
Use official SSA, IRS, and Marketplace or employer windows after a birth — Social Security number, dependent benefits, and tax credits without uploading hospital records.
Open guideDivorce Financial Checklist
Track tax filing, retirement-division concepts, benefits, credit, and unclaimed property after a separation — without legal advice or uploading court files.
Open guideCaregiver Benefits and Tax Help
Find employer caregiver benefits, official tax topics, and government caregiver resources — without requesting a care recipient’s diagnosis.
Open guideDeceased-Relative Unclaimed Assets
Build an heir search list across state unclaimed property, federal holdings, and workplace plans — using official after-death checklists without uploading estate files.
Open guideRecurring Subscription Audit
Inventory recurring charges from bank and card statements, cancel on official merchant sites, and watch for leftover store-credit or unclaimed balances.
Open guide
Start your free audit to prioritize these checks for your profile.