As shown in the video
Nobody tells you. So we wrote it down.
For Canadians 65+ on CPP or OAS. Not just low incomes.For Americans 65+ on Medicare. Not just low incomes.
US EditionCanadian Edition
- 2321 moves, each with the exact words to say
- Forms named, deadlines dated: T1032 · T1-ADJ · ISP1603 · AUT-01
- Large print, 140133 pages, prints at home
Instant download · 30-day refund, no questions
Straight answers
Before you ask.
- Is it only for low-income seniors?
- No. Most moves have no income test. Help that depends on income has its own section, and we never count it in our totals.
- Does it work in my province?
- Most moves are federal and work in every province. Three are Ontario programs, clearly marked, each with what BC, Alberta and Quebec offer instead.
- Does it work in my state?
- Most moves work in every state. Where a rule depends on your state, the move says so and gives you the exact question to ask.
- I live alone. Is it still worth it?
- Moves 1 to 3 need a spouse, so you start at Move 7. Every Save move shows what it’s worth for one person.
- The video was free. Why pay?
- The video tells you what exists. The manual gives you the form, the deadline, who to call, the exact words to say, and a page to write down who you spoke to.
- Is the price in Canadian dollars?
- C$47 total, tax included. Our checkout bills in US dollars, so it shows US$33, which is C$47. Your bank converts it; some cards add a small foreign-purchase fee.
- I’d rather have it on paper.
- Large 18-point print. It prints at home on ordinary letter paper, or at a library. Take the pages to your tax preparer.
- What happens after I pay?
- A download button right away, and an email with your link. Can’t find it? Write to [email protected] and a person answers.
- Is it up to date?
- Every figure was checked against official sources in October 2026, with the source on the page. The January 2027 update is free.
- Who is the presenter in the videos?
- A digital (AI) presenter. The research comes from official government pages, and every figure in the manual names its source.
- Will anyone call me or sell me more?
- No. One payment. No subscription. No phone calls.
- What if it isn’t right for me?
- Email us within 30 days for every penny back. No reason needed.
Our worked example, not a promiseAn Ontario couple, both 68: C$7,043 in 12 months. C$4,190 one time, C$2,853 every year. Most of it is pension splitting. Live alone, or already split? Your number will be smaller.
Our worked example, not a promiseA retired Maryland couple, both 68, on Original Medicare: $6,942$5,742 in 12 months. Live alone? Your number will be smaller. Every Save move shows the one-person figure.
Earn the $47 back in your first month.Or get every penny back.
Read the math →IV.
Is it for you?
Who it’s for. And who it isn’t.
It’s for you if
- you’re 65 or older, or close to it
- you get CPP or OAS, or a workplace pension
- you pay a phone, internet or TV bill
- you keep savings at one of the big banks
- and most of all: you’re married or common-law, and one of you gets most of the pension
It’s worth less to you if
- you live alone: Moves 1 to 3 need a spouse or partner, so you start at Move 7
- you already split your pensions every year
- you live in Quebec: the provincial tax side works differently (the federal moves still apply)
Not sure? Buy it, fill in the 20-minute worksheet, and if it isn’t right for your household, email us within 30 days for every penny back.
I.
The Manual
One manual. Twenty-three moves. The exact words for each one.One manual. Twenty-one moves. The exact words for each one.
Medicare, taxes, insurance, hearing aids, groceries, phone, TV and internet. Twelve moves to save, eleven to protect what you keep. Each one with the official rule, the deadline and the step-by-step. Start this week with a letter that is already in your mailbox.Pensions, taxes, prescriptions, hearing aids, savings, phone, TV and internet. Ten moves to save, eleven to protect what you keep. Each one with the official rule, the deadline and the step-by-step. Start this week with your last three tax returns.
Large-print ebook · 140 pages · 2026–2027 EditionLarge-print ebook · 133 pages · 2026–2027 Edition
The playbook behind our example couple’s $6,942$5,742.The playbook behind our example couple’s C$7,043.
The December 7 drug-plan window. The Medigap birthday window. The 2022 hearing-aid rule. The new-customer re-rate. The state’s own insurance price list. The cable fees that aren’t taxes. The FCC price label. Free tax filing at 60+. The property-tax cap you have to apply for.The late pension split (the CRA decides whether to accept it). Pension splitting every year. Medical bills on the right return. Ontario’s hearing-aid help. The 100-day fill. Your drug deductible, paid back. The 0.01% savings trap. The cheaper brand on the same network. The C$25 TV package. Every rule checked against official sources in October 2026, with exactly what to do. Earn the $47 back inside your first month.
What to say · Move 1, as printed
“We didn’t split our pension income for 2023, 2024 or 2025. Please redo each year with the best split on Form T1032. We will both sign. Please prepare a T1-ADJ for each of us, for each year. We’ll mail them, 2023 first.”
What’s inside:
- The Home Front Manual — 140-page large-print ebook, 23 numbered moves: 12 to save, 11 to protect what you keep133-page large-print ebook, 21 numbered moves: 10 to save, 11 to protect what you keep, in Canadian dollars
- For every move — the official rule, the deadline, who to call, the exact words to say, the line for when they push back, the catch, and a page to write down who you spoke to
- Start Here — the first calls to make this week, the ones that pay the $47 back fastest
- The 20-Minute Worksheet, every phone script on one page and the Deadline Calendar
- The Family Workbook — 20 fillable pages: medication lists, accounts map, emergency plan and the Fridge Sheet
- Free updates — every figure checked against official sources in October 2026; the January 2027 refresh comes at no extra charge
- One payment$47
Instant access · Pay once · Yours forever
Secure checkout · Visa · Mastercard · 30-day refund
II.
The Math
Where the $6,942 comes from.Where the $5,742 comes from.Where the C$7,043 comes from.
Pull up your last 12 months of bills and follow along. This is our example couple: retired in Maryland, both 68, on Original Medicare.This is our example couple: retired in Ontario, both 68, one of them with most of the workplace pension. Every line comes straight from the manual’s Ledger.
- The December 7 drug-plan windowEvery year$1,200
- The Medigap birthday windowEvery year$353
- The 2022 hearing-aid ruleOne time · one pair$2,820
- The car-insurance new-customer re-rateEvery year$461
- The state’s own home-insurance price listEvery year$400
- Same phones, same towers, lower planEvery year$350
- The cable fees that aren’t taxesEvery year$240
- The FCC internet price labelEvery year$180
- Free tax filing at 60+Every year$220
- The property-tax cap you apply forYear one$115
- Same brands, a third cheaperEvery year$421
- The federal warranty ruleEvery year$182
- The next 12 months$6,942
- The next 12 months$5,742
- The late pension split, 2023–2025One time · the CRA decidesC$3,190
- Pension splitting every yearEvery yearC$1,182
- Medical bills on the right returnEvery yearC$265
- Ontario’s hearing-aid helpOne timeC$1,000
- The 100-day prescription fillEvery yearC$210
- Your drug deductible, paid backEvery yearC$200
- Savings off 0.01%, same bankEvery yearC$325
- Same network, cheaper brandEvery yearC$264
- The internet price already advertisedEvery yearC$240
- The C$25 TV packageEvery yearC$167
- The next 12 monthsC$7,043
Every number has a move in the Manual, with the official source and the steps.
The first month
The quickest moves start paying on your very next bills.
- Same phones, same towers, lower plan$29/mo
- The cable fees that aren’t taxes$20/mo
- The FCC internet price label$15/mo
- Same brands, a third cheaper$35/mo
- Every month$99
- Savings off 0.01%, same bankC$27/mo
- Same network, cheaper brandC$22/mo
- The internet price already advertisedC$20/mo
- The C$25 TV packageC$14/mo
- The 100-day prescription fillC$18/mo
- Every monthC$101
That is the Manual paid for in month one. And the December 7 drug-plan window closes on its own schedule: miss it, and it waits a full year.And the late pension split needs the forms in the mail by November 30, 2026 for all three refunds to arrive within 12 months. The CRA decides whether to accept it.
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III.
Why you never heard of it
The rules already set money aside for you. Almost nobody tells you it’s there.
No one calls you when a window opens. Windows open once a year, rules change quietly, credits wait for you to apply, and deadlines close without a reminder.
- A 30-day window opens on your birthday. In Maryland it lets you keep the exact same Medigap coverage for less, with no health questions.$353 a year for our example couple
- Since 2022, a federal rule lets adults buy hearing aids off the shelf, without the clinic price. Most people still don’t know.$2,820 on one pair
- A letter that arrived by September 30 shows whether your drug plan costs more on January 1. After December 7, it’s too late to act for 2027.$1,200 a year for our example couple
- Maryland’s property-tax cap is not automatic. If you never applied, you aren’t getting it, and it grows every year.
- Couples who missed pension splitting may be able to go back three years. The CRA decides whether to accept it.C$3,190 for our example couple
- Ontario pays up to C$1,000 toward hearing aids, but only if the steps happen in the right order. Buy first, and you get nothing.
- The six big banks post 0.01% on ordinary savings and 2.45% on a one-year GIC, at the same counter.C$325 a year for our example couple
- The rules cap a basic TV package at C$25 a month. The average subscriber pays C$58.90.C$167 a year for our example couple
Nobody makes money telling you. Companies have no reason to point you to a cheaper option, and no government office calls when a window opens. It’s all public, buried in rate guides, federal rules and agency fine print.
So we dug through it for you.
IV.
Reader results
What people did with the manual.
IV.
Inside the Manual
A few of the things you’ll find.
- p. 28The one letter that tells you whether your drug plan is about to cost you more next year, and the date after which it’s too late to act.
- p. 32The yearly “birthday window”: the same Medigap coverage for $353 less, with no health questions asked.
- p. 37The 2022 federal rule most people still don’t know about, worth $2,820 on one pair, plus the four red flags that mean see a doctor first.
- p. 41Why 20 years with one insurer can cost you more, and the one request that asks for the price a new customer would get.
- p. 45The state’s own price list showing one insurer charging 5.6 times another for the identical home policy.
- p. 53The “Broadcast TV fee” that looks like a tax but isn’t. On one Maryland bill it’s $30.25 a month.
- p. 61Free tax filing aimed at people 60 and older, with no income test.
- p. 72The federal law that says the dealer can’t void your warranty because routine service was done somewhere else.
- Part TwoEleven moves that guard what you keep: how a couple can keep $500,000 at one bank fully insured, the beneficiary form that overrides your will, the free credit freeze, six questions before you buy gold, and the family code word that is said, never written.
- p. 27Three missed years of pension splitting you may be able to claim now. C$3,190 for our example couple. The CRA decides whether to accept it.
- p. 28Why “just change it online” is the wrong answer, and the form that goes by mail instead.
- p. 32Pension splitting every year from now on: C$1,182 a year for our example couple.
- p. 42Ontario’s up-to-C$1,000 hearing-aid help, and the one mistake that makes it pay nothing.
- p. 46The 100-day fill: two-thirds fewer pharmacy fees on the same medicines.
- p. 54Your bank pays 0.01%. The same-counter move worth C$325 a year to our example couple, still CDIC-insured.
- p. 66The C$25 TV package the rules require your provider to offer.
- Part TwoEleven moves that guard what you keep: the C$100,000 line and the nine CDIC categories, the beneficiary form that overrides your will, freezing or locking your credit, six questions before you buy gold, and the family code word that is said, never written.
Move 1, exactly as printed. Large 18-point type throughout.
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V.
The Guarantee
Earn the $47 back in your first month. Or get every penny back.
Use the manual for 30 days. If it hasn’t shown you how to earn back the $47, or for any reason at all, email [email protected] from the email you paid with, and you get every penny back. No reason needed. No questions asked.
VI.
Questions
Before you order.
How do I get it? I’m not good with computers.
Right after you pay, you can download it, and an email with your link arrives too. Keep that email. It opens on any phone, tablet or computer; spread two fingers on the screen to make the print bigger. Prefer paper? Print it at home on ordinary Letter paper, or at a library or print shop. Nothing comes in the mail.
Can’t find the email? Look in spam or junk first. Still nothing? Write to [email protected] from the email you paid with. A person answers and sends your link again.
Why does the checkout ask for my address?
Card payments need a billing address; it’s a bank rule, and it helps stop card fraud. We don’t mail you anything, and we don’t call you.
Isn’t this information free online?
The rules are public. But they’re scattered across dozens of agency websites, rate guides and federal filings, and none of them tells you which ones matter for a retired household, the deadline, or the catch. The manual puts it all in one place, in order, checked October 2026.
Do I have to give anything up?
No. Same doctor, same brands, same phone, same channels. You keep what you have and stop overpaying for it.
Can my wife or husband use it too?
Yes. One purchase covers your household. Many moves work best done together, and the Family Workbook is made to fill in side by side.
I’m on Medicare Advantage. Is this for me?
Yes. The manual shows Advantage members how to get the same free total-cost check on their plan, and most of the money moves have nothing to do with your Medicare plan at all: insurance, taxes, phones, TV, internet, groceries and car service.
I don’t live in MarylandOntario.
Most moves work in every state. Where a rule depends on your state, the move carries an “In other states” box with what we confirmed, or the exact question to ask.
Most moves work in every province. The tax moves (1 to 3) are federal rules; our dollar figures use federal and Ontario tax rates, so yours will differ. Three moves are Ontario programs (hearing aids, the 100-day fill, the drug deductible). Each has an “In other provinces” box with what we confirmed for BC, Alberta and Quebec, or the exact question to ask your province.
I don’t live in the US or Canada.
Then this manual isn’t for you. Every move is written for US or Canadian rules and deadlines.
Is this financial advice?
No. It’s education: the official rule, the deadline and the free helper for each move. The decision stays yours.
I heard a different price in an older video.
Older videos describe our First Edition. This Second Edition replaces it, with new, deeper moves and a rebuilt Family Workbook. The price is $47, one payment.
The Home Front Manual · 2026–2027 Edition
Nobody will call to remind you. The deadlines won’t wait.
You’re ordering the US Edition. You’re ordering the Canadian Edition.
Get the Manual · $47 →Instant access · Pay once · Yours forever
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P.S. The Medicare drug-plan window closes on December 7, and free counselor appointments fill up late in the season. That one move is worth $1,200 a year to our example couple.The hearing-aid rule alone is worth $2,820 on one pair. It’s on page 37.If one of you gets most of the pension, the late split comes first. The CRA’s limit for 2023 is April 30, 2027, the forms go by mail, and the CRA can take up to 35 weeks. Mail by November 30 so all three years’ refunds can arrive within 12 months. The words are on page 28. The CRA decides whether to accept it.If one of you gets most of the pension, the 2023 split must reach the CRA by April 30, 2027. The CRA decides whether to accept it. Earn the $47 back in your first month, or get every penny back.