Late Filer Penalty Relief

On April 16, 2025, the Internal Revenue Service (IRS) explained the penalty relief options for taxpayers who missed the filing deadline. The IRS encourages taxpayers to file and pay taxes if they are able to do so. Taxpayers who make partial payments toward their tax debt can reduce the accrued interest and penalties.

Some taxpayers may also qualify for penalty relief. There is a First Time Abate administrative waiver for taxpayers who are in good standing with the IRS.

  1. History of Tax Filing — The first requirement is that you have filed for the past three years and there were no penalties assessed. If you filed for years 2021, 2022 and 2023 and did not have any penalties, you may qualify for First Time Abate relief.
  2. Additional Requirements — Taxpayers also may have to pass additional tests. Taxpayers cannot have four or more Failure to Deposit penalty waiver codes. They may not have a Daily Delinquency Penalty or an event-based filing requirement.
  3. First Time Abate Example — Assume that Taxpayer did not fully pay taxes for year 2024. Taxpayer called the IRS and requested penalty relief. The IRS gave Taxpayer a First Time Abate relief up to the date of the request. Six months later, Taxpayer made full payment on the taxes and called again. The IRS then granted another First Time Abate relief for the additional accrued penalty due from April 15 until that full payment.

The IRS emphasizes that if you do not qualify for the First Time Abate relief, there is also a possibility for relief based on your facts and circumstances. If the IRS believes that you are acting in good faith and have financial challenges, it may grant Reasonable Cause relief.

The IRS reminds taxpayers that it is still possible to file after the April deadline and receive a refund. For the 2021 tax year, an estimated one million taxpayers did not file, but they would have qualified for a refundable tax credit, most commonly the Earned Income Tax Credit (EITC) or the Child Tax Credit (CTC). Taxpayers with lower incomes should check with an advisor about potentially filing to receive a refundable tax credit. It is important to note that refunds may be delayed if more recent returns have not been filed, and any refund could be used to cover unpaid taxes, past-due child support or federal debts.

If you file for this credit, you can use the "Where’s My Refund?" tool on IRS.gov to check on the status of your refund. You will need your Social Security Number, your filing status and the exact dollar amount of your anticipated refund to use this tool.

 

Published April 18, 2025

Where Solo Agers Can Find Help

I have been giving more thought to how to plan for the years ahead. As someone who may not have immediate family to rely on, what resources are available to me, for help with important matters such as an emergency contact, healthcare decisions, financial matters and living arrangements as I age?

This is a very common concern for the 22 million solo agers across the United States who do not have adult children or other family members they can depend on to watch out for their wellbeing. Here are some tips and resources that can help.

Choosing Helpers & Decision Makers

While older adults usually name children or spouses to make decisions on their behalf, solo agers will most often choose a sibling, niece or nephew, or a trusted friend or neighbor. Whoever you choose, be sure to talk to them first to make sure they are willing to assume the responsibility.

If, however, you do not have anyone you feel comfortable asking, or who is willing to take on that responsibility, you can hire a professional. One of the best resources is an aging life care manager. These are trained professionals in the area of geriatric care who often have backgrounds in nursing or social work and can serve as your emergency contact, oversee your care and even act as your executor. They can also connect you with legal and financial professionals in your area to help manage your affairs.

Aging life care managers typically charge anywhere from $100 to $300 an hour, depending on their location and experience. You can search online for an expert near you or visit your local council on aging.

If hiring a life care manager is not financially feasible, there are other steps to take to prepare for future needs. Start by creating a basic estate plan including a power of attorney, advance directive and a will. Having these estate planning documents prepared ahead of time helps ensure your wishes are carried out if you become incapacitated and when you pass away.

To help you prepare these documents, your best option is to hire an experienced estate planning attorney, which can cost anywhere from a few hundred dollars to a couple of thousand dollars depending on location, needs and experience. In some cases, the attorney may also be able to act as your power of attorney or executor, or help you locate a professional in your area.

There are also services available to help with organizing and preparing bill payments with your approval. Alternatively, you can work with a daily money manager who, in addition to paying bills, can handle tasks like balancing your checkbook and organizing tax information.

It is also a good idea to meet with a financial advisor to help figure out what services and living arrangements you can afford and what steps you can take to ensure that your financial resources last your lifetime. If you do not have an advisor, you can find a fee-only, fiduciary financial planner through searching online.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of “The Savvy Senior” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

Tax Deadline - eFile or Request Extension

 

The April 15 tax deadline is rapidly approaching. The Internal Revenue Service (IRS) reminds taxpayers they should promptly file their tax return. The best practice is to file a return electronically and request any refund directly to your bank account. Electronic filing reduces taxpayer errors and will speed up receipt of your tax refund.

  1. Electronic Filing Options— Taxpayers with incomes of $84,000 or less in 2024 may use the IRS Free File software. In addition, Free File Fillable forms are available to all taxpayers, regardless of their income level. Taxpayers in 25 states may use the IRS Direct File program if they have a simple return. The IRS also supports the Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE) programs. For members of the military, the Department of Defense offers the MilTax program for members at no cost.
  2. Where's My Refund?— The “Where's My Refund?” tool is typically updated within 24 hours after an electronically filed tax return. You will need your Social Security number, filing status and exact refund amount to check your refund status.
  3. Payment Options for Taxes— There are multiple payment options for those that owe taxes. You can use Direct Pay to make a transfer from a checking or savings account, or make a payment through an IRS Individual Online Account. Taxpayers may also pay using a debit card, credit card or digital wallet. The Electronic Federal Tax Payment System (EFTPS) is another option to accept payments. Additionally, you can also pay by check, money order or make a cash payment through a retail partner.
  4. Unable To Pay Taxes— If you experience financial problems and owe less than $100,000 in combined tax, penalties and interest, you may create a payment plan which provides you with 180 days to pay in full. If you owe less than $50,000, you can create a long-term payment plan. Under this plan, your monthly payments may be stretched out for up to 10 years.
  5. Extension to October 15— Taxpayers who cannot complete their filing by April 15 may receive a six-month extension until October 15. All taxpayers, regardless of income, may use the IRS Free File program to file Form 4868, Application for Automatic Extension of Time to File U.S. Individual Income Tax Return. If you make an electronic payment using Direct Pay or a debit or credit card, you qualify for an extension. The tax payment is due on April 15 even if your filing date is extended to October 15.

There are exceptions to the filing and, in some cases, to the payment deadlines. These may apply to taxpayers who serve in an active combat zone, live outside the United States or live in certain disaster areas. Contact your tax professional or go to IRS.gov if you think you may qualify for one of these exceptions.


Published April 11, 2025

Protecting Yourself from Identity Theft

I am very concerned about identity theft. What can I do to protect myself?

The widespread reach of technology has led to growing concerns about identity theft. If your personal information falls into the wrong hands, it could lead to identity theft. Identity theft could result in fraudsters using your personal information to open credit card accounts, bank accounts and telephone service accounts or to make major purchases – all in your name.

If you suspect your personal information has been compromised or is at risk, it is advisable to place a fraud alert on your credit file. For enhanced security, consider implementing a credit freeze. A fraud alert is a notification placed on your credit report that prompts potential creditors to take extra steps to verify your identity before extending credit in your name. A credit freeze completely blocks access to your credit report, preventing anyone from opening new accounts in your name without your explicit authorization. Fraud alerts and credit freezes are completely free to set up and remove, and neither action will affect your credit score.

A credit freeze provides significantly stronger protection than a fraud alert, but there is a drawback. When you freeze your credit, you will not be able to open new lines of credit or obtain a new loan while the freeze is activated. It does not affect your ability to use existing credit cards or other accounts that are already open. If you need to apply for a new credit card or some type of loan, you can temporarily lift the freeze on your account until your application is approved; then, you can refreeze it at any time.

Fraud Alert Set-Up

To set up a fraud alert, you will need to contact one of the three major credit reporting bureaus – Equifax, Experian and TransUnion – either by phone, online or by mail. You only need to contact one of these agencies, and they will notify the other two. Here is the phone and website contact information for each of the three bureaus.

  • Equifax: 800-685-1111 or Equifax.com/personal/credit-report-services
  • Experian: 888-397-3742 or Experian.com/help
  • TransUnion: 888-909-8872 or TransUnion.com/credit-help

Even if you have not been a victim of identity theft, it is advisable to set up an “initial fraud alert.” This alert lasts for one year and can be renewed annually.

Credit Freeze Set-Up

To set up a credit freeze you will need to contact each of the three credit reporting bureaus mentioned above – Equifax, Experian and TransUnion. A credit freeze remains in place until you choose to unfreeze it. Keep in mind that, before applying for a new credit card or loan, you will need to temporarily lift the security freeze by following the procedures provided by each credit bureau.

You can monitor your credit file by regularly reviewing your credit report, even if you choose not to establish a fraud alert or a credit freeze. You can also obtain a free credit report each week from Equifax, Experian and TransUnion by visiting AnnualCreditReport.com.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of “The Savvy Senior” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.


Published April 11, 2025

Tax Payment Plan Options

 

The Internal Revenue Service (IRS) reminded Taxpayers of the April 15 tax filing and payment deadline. If you are not in a disaster area, a combat zone or are living and working abroad, you are obligated to pay income taxes on April 15. If you do not pay your taxes on that date, you could be subject to interest and penalties.

Taxpayers should be certain to file by April 15, 2025. If you do not file, there is a late filing penalty that could be up to 5% per month on your unpaid tax amount.

If you are unable to pay in full, you should pay as much as possible by April 15. This payment will reduce the interest and tax penalty amounts. The current interest rate is 7% per year and the penalty rate is normally one-half of 1% per month. The IRS reminds Taxpayers that extending the filing date until October 15, 2025, does not extend the deadline to pay tax.

There are four basic plan options for individuals who are not able to pay taxes on April 15, 2025. These include a short-term and long-term plan, an offer in compromise and a temporary delay in payment.

  1. Short Term Plan — If your tax balance is less than $100,000, you may have up to 180 days to pay the balance in full.
  2. Long Term Plan — A long-term payment plan may be possible if you owe less than $50,000 in tax, penalties and interest. This plan typically involves monthly payments for as long as 10 years. The IRS suggests that Taxpayers should simplify the process by using an automatic bank withdrawal each month. The longer payment plan, however, will increase your interest and penalties.
  3. Offer in Compromise — Some Taxpayers may qualify for a reduced tax amount. You may check if this option is available with the Offer in Compromise Pre-Qualifier tool on IRS.gov. By entering the required information, you can understand whether or not you may qualify for a reduced payment.
  4. Temporary Delay — Taxpayers who are experiencing serious financial hardships may ask the IRS to delay the collection process. If the IRS determines there are major financial issues and the Taxpayer is unable to pay, the IRS may grant a delay in payment. The IRS will assess interest and penalties until the payment is completed.

The IRS reminds Taxpayers who are unable to make full payment that they are more vulnerable to fraudsters. The IRS does not call, text or contact individuals to demand immediate tax payment. The normal IRS collection process starts with a bill or letter that explains the tax obligation and how Taxpayers may question or appeal that amount.


Published April 4, 2025

Volunteer Vacations

 

There are many organizations today that offer short-term volunteer vacation projects both in the U.S. and abroad, lasting anywhere from a few days to several months. Popular programs include teaching English, working with children and teens, building and repairing homes and schools, and assisting with community or environmental projects. These volunteer vacations also allow travelers the opportunity to immerse themselves in the local culture and connect with the local people. 

Most volunteer vacation groups welcome single travelers, couples and families, and you are not required to speak a foreign language. Costs will vary based on the type of volunteer program but usually range from around from a few hundred dollars to a couple of thousands of dollars per week, not including transportation to the destination country. Fees typically cover pre-trip orientation information, accommodation and meals, on-site training, local transportation, the services of a project leader and a contribution to the community that covers material and services related to the project. If the organization running your trip is a nonprofit, and there is no recreational component, the cost of your trip is potentially tax-deductible. Consult your tax professional to learn more about any possible deductions available.

Where to Look

There are various companies and not-for-profit agencies that offer volunteer vacation opportunities both domestically and internationally. You may want to use your favorite search engine to find companies by using key search terms such as “volunteering vacations” and include the geographical area in which you are most interested. Look for voluntourism programs that align with your skills and values. You will want to look for well-established organizations and review the projects and accommodations within the particular program.

You may also want to prioritize organizations with transparent funding, that work collaboratively with local groups and have a history of positive impacts and sustainability. Check reviews and independent sources, consider volunteering with reputable local nonprofits as well. It is also important to verify visa requirements before committing.

How to Choose

With so many different volunteer vacation options to choose from, selecting one can be difficult. To help you decide, consider the following questions: Where do you want to go and for how long? What kind of volunteer work interests you? What type of accommodations do you prefer? Do you want to volunteer alone or with a group? Would you prefer a rural or urban placement? What are your age and health considerations, and do you have any special needs that must be met?

Once you figure out what you want and identify a few volunteer vacations that interest you, reach out to the organization to send you detailed information about the program. This should include accommodation details, a breakdown of the fees and what they cover (including their refund policy), the work schedule and responsibilities, and anything else you may have questions about. It may be helpful to obtain a list of previous volunteers and reach out to them to hear about their personal experiences before making a final decision.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of “The Savvy Senior” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.


Published April 4, 2025

Correct Tax Returns Speed Up Refunds

On March 24, 2025, the Internal Revenue Service (IRS) reminded taxpayers that they can improve the probability of a prompt refund by filing a correct tax return. The IRS offered tax tips on the best ways to ensure a speedy refund.

  1. Tax Paperwork – Taxpayers should gather all their tax documents. The basic documents are IRS Form W-2’s, Form 1099’s and other information forms. There may be specific paperwork to support income tax deductions, education credits or mortgage interest payments. It is helpful to have the adjusted gross income (AGI) from your prior year tax return if you plan to file electronically. You can use an IRS Individual Online Account to view a Form W-2, Wage and Tax Statement or Form 1095-A, Health Insurance Marketplace Statement. These are under the Records and Status tab in your IRS account.
  2. Names, Birthdates and Social Security Numbers (SSNs) – You must provide the correct name, date of birth and SSN for each dependent. Your name should be entered exactly as it appears on your Social Security card. If a dependent does not have an SSN, you can request an Individual Tax Identification Number (ITIN).
  3. Electronic Filing – The IRS recommends you reduce math errors by using electronic filing. This might include IRS Free File, Free File Fillable Forms or Direct File. Your online tax software may highlight your potential tax credits or deductions. It also will check your return and prompt an entry if you have failed to include important information. If you choose to submit a paper tax return, you must be certain that you have the correct mailing address for the IRS. You can find the mailing address on IRS.gov.
  4. Taxable Income – The majority of income is taxable. If you do not report your taxable income, you could be required to pay interest and penalties. Income includes interest earned from financial accounts, unemployment benefits, income from services or the gig economy and sale of digital assets.
  5. Digital Assets – All taxpayers are asked on their tax return to answer either "Yes" or "No" to a digital asset question. You must answer this question even if you have not bought or sold digital assets in 2024. If you have a digital asset transaction, you should visit the Digital Assets webpage on IRS.gov.
  6. Bank Routing and Account Numbers – Most taxpayers request an electronic transfer of their refund into a bank account. You should check to be certain you have the correct routing and account numbers. These are on the lower portion of a check. The routing and account numbers are also available on some prepaid debit cards. This is an option if you do not have a bank account.
  7. Sign and Date – If you have a joint tax return, both spouses must sign and date the return. If you are filing electronically, you will need to authenticate the tax return by including your adjusted gross income from the prior year.
  8. Tax Payments – Tax payments are due on April 15. Individuals in a federally declared disaster zone usually receive additional time to file. You may make payments using the Individual Online Account, Direct Pay, the Electronic Federal Tax Payment System (EFTPS) or through a debit or credit card.
  9. Tax Filing Extension – Taxpayers may request a six-month extension for filing until October 15, 2025. You can pay using one of the online payment options and check the box requesting an extension. You can file Form 4868, Application for Automatic Extension of Time to File U.S. Individual Income Tax Return or request an extension through IRS Free File. The extension allows extra time for filing but is not an extension of time to make your tax payment. The exception to this rule is a limited number of individuals who are in a federally declared disaster zone.

 

Published March 28, 2025

Creating a Safe Home for Aging in Place

 

My spouse and I are thinking about making some modifications to our home so we can live here comfortably for as long as possible. Can you recommend some resources that can help us make our home safer as we grow older?

Many retirees, like you and your spouse, want to remain in their own home for as long as possible. But being able to do so will depend on how easy it is to update your home as you get older. There are key features and improvements you can make that will make your house safer and more convenient as you grow older.

Home Evaluation

The first step in making your home more livable as you age is to do an assessment. You should walk through each room and identify problem areas that have potential for tripping or slipping as well as areas that are difficult to access or maintain. There are several organizations that have checklists that point out potential problems in each area of the home, along with suggested modifications and solutions.

Rebuilding Together, for example, has a short “Safe at Home Checklist” that was created in partnership with the Administration on Aging and the American Occupational Therapy Association. To find the checklist, visit AOTA.org and search for “Rebuilding Together Safe at Home Checklist.”

The National Association of Home Builders also has a checklist that offers more than 100 suggestions to help homeowners aged 50 and over live safely, independently and comfortably. Their checklist can be found by visiting NAHB.org and searching for the “Aging-in-Place Remodeling Checklist.”

You may want to review AARP’s excellent resource guide that is filled with tips and diagrams to make your entire home safer and easier to live in as you age. You can access it at AARP.org, by searching for “HomeFit Guide.”

Personalized Advice

For more personalized help, consider scheduling a professional in-home assessment with an occupational therapist (OT). An OT can evaluate your home’s challenges and potential hazards, recommend solutions and introduce you to products and services to help you make improvements.

To find an OT in your area, check with your physician, health insurance provider, local hospital or seek recommendations from family and friends. Many health insurance providers, including Medicare, will cover the cost for a home assessment by an OT if prescribed by your doctor. However, Medicare will not cover the cost of upgrades to the home.

Another option is to contact a Certified Aging-in-Place Specialist (CAPS). CAPS are home remodelers and design professionals who specialize in aging-in-place home modifications. They can suggest ways to modify or remodel your home to fit your needs and budget. CAPS are generally paid by the hour or receive a flat fee per visit or project. To find a CAPS-certified professional in your area visit the National Association of Home Builders website at NAHB.org/capsdirectory where you can search by last name, credentials, state and city.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of “The Savvy Senior” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

 

Published March 28, 2025

Avoid Identity Theft During Tax Season

During tax season, fraudsters use the latest strategies to steal identities. With the tax filing season in full swing, taxpayers need to remain vigilant for strategies that may involve text messages, emails, phone calls or potential unemployment fraud.

The Internal Revenue Service (IRS) notes, “With filing season underway, this is a prime period for identity thieves to hit people with realistic-looking emails and texts about their tax returns and refunds. Watching out for these common scams can keep people from becoming victims of identity theft and protect their sensitive personal information that can be used to file tax returns and steal refunds."

    1. Text Message Scams— There has been an uptick in text messages from senders that claim to represent the IRS. These fraudulent messages often include links to bogus websites that purport to be the IRS. The IRS emphasizes it does not use text messages other than the IRS Secure Access service. The IRS also will not send direct messages through social media platforms.

      If you receive a text message that claims to be from the IRS, you should take a screen shot and send it to phishing@IRS.gov. With the screenshot, include the date and time you received the text message and your phone number. You can take a screenshot on an iPhone by simultaneously pressing and releasing the side button and volume button. On other smartphone models, you may press at the same time the side button and home button or the top button and home button. The screenshot may then be accessed through your phone’s photos app and emailed to phishing@IRS.gov.

    1. Unemployment Fraud— There is a surge in efforts by organized crime rings to steal identities and file fraudulent unemployment claims with state agencies. Your state office will then issue IRS Form 1099-G, Certain Government Payments to the recipient and the IRS. If you receive a fraudulent or inaccurate Form 1099-G, you should report it to the state agency and obtain a corrected Form 1099-G. For information on unemployment fraud and to report an incident, go to DOL.gov/fraud. If you receive any communication from a state agency about an unemployment claim that you did not file or a notice from your employer about an unemployment claim that is improper, you should also report it.

    1. Email Phishing Scams— The IRS emphasizes that it does not contact taxpayers through email to request personal or financial information. If you receive an unsolicited email, do not click on any links in the email. Send the email as an attachment to phishing@IRS.gov. The "Report Phishing and Online Scams" webpage at IRS.gov provides additional information.

  1. Phone Scams— The IRS notes it does not leave urgent or threatening messages on your phone or voicemail. Scammers will often threaten victims with arrest, deportation or revocation of a driver's license. It is possible to "spoof" caller ID numbers. The scammer may attempt to spoof the caller ID number of a sheriff's office, department of motor vehicles or federal agency. The IRS emphasizes it will never call and demand payment through a prepaid debit card, gift card or wire transfer. It will also not ask for a credit or debit card over the phone.

    If you receive a threatening call, hang up the phone. You can report the caller ID and callback number on phishing@IRS.gov. You also may report the call on FTC.gov and note "IRS Telephone Scam" on your report.

    If you owe tax or think you might have a tax bill due to the IRS, you should hang up the phone. You can create an online account on IRS.gov and review your information. There may be a phone number on a billing notice from the IRS or the general IRS number is 800-829-1040.

    If you are a victim of identity theft and a fraudster has used your Social Security number to file and claim a fraudulent refund, you may be contacted by the IRS. You should immediately respond to any IRS notice and call the listed number.

    You may file IRS Form 14039, Identity Theft Affidavit. If you are a victim of identity theft, you still must file and pay taxes. Many individuals use a paper form to pay their tax in this circumstance.

Editor's Note: IRS tax filing season always causes fraudsters to intensify their efforts. Taxpayers should be familiar with the principal ways scammers attempt to steal identities and file fraudulent returns.

 

Published March 21, 2025

Are You at Risk for Kidney Disease?

What are the risk factors for kidney disease?

Individuals with diabetes, high blood pressure, heart problems or a family history of kidney disease have an increased risk for chronic kidney disease, a condition in which the kidneys lose their ability to effectively filter your blood.

According to the Centers for Disease Control and Prevention (CDC), around 37 million U.S adults have chronic kidney disease, and many more are at risk of developing it. Because kidney disease develops slowly before symptoms arise, many people are not aware they have the disease.

If left untreated, chronic kidney disease can eventually require dialysis or a kidney transplant. Even mild kidney problems increase the risk of heart attacks, strokes, anemia and bone disease.

Kidney disease has become widespread today due to the rise of obesity, type 2 diabetes and high blood pressure, all of which strain the kidneys. Another factor is the increasing number of people who take multiple medications, which can overtax the organs. People over the age of 60 are especially vulnerable because they tend to take more medications, and because kidney function naturally declines with age.

Get Screened

Because kidney disease is often symptomless, early stages of the disease usually go undiagnosed. The only way to detect it before it advances is through routine blood and urine tests. Anyone with diabetes, high blood pressure or heart disease, or over age 60 should be tested annually.

If your lab results indicate a decline in kidney function for more than three consecutive months, you may receive a diagnosis of kidney disease and be referred to a nephrologist. While kidney damage cannot be reversed, there are several effective lifestyle changes and treatments that can help prevent further damage.

Control your blood pressure: If you have high blood pressure, aim to keep it below 140/90. If you need medication, ACE inhibitors and ARBs are good choices because of their proven ability to protect kidney function.

Control your diabetes: If you have diabetes, maintain blood sugar levels as close to normal as possible. Diabetes medications such as SGLT-2 inhibitors have shown to be effective in helping slow the progression of kidney disease, even in non-diabetic patients.

Adjust your diet: This usually means reducing protein, phosphorus, sodium, sugar and potassium. Your doctor can help you determine an appropriate diet, or you may want to consult with a dietitian.

Watch your meds: Dozens of commonly used drugs can damage the kidneys, especially when taken in high doses over long periods. Notably non-steroidal anti-inflammatory drugs (NSAIDs), like ibuprofen and naproxen, proton pump inhibitors (PPI) used for heartburn and gastroesophageal reflux disease (GERD), and certain herbal supplements can also be problematic. Talk to your doctor about your prescriptions, over-the-counter and herbal products to identify potential problems and find alternatives.

Exercise and lose weight: If you are inactive, start an aerobic fitness routine (walk, swim, cycle, etc.) that gets your heart pumping. Regular physical activity can lower blood pressure, control diabetes and support weight loss, all of which benefit kidney health.

Stay hydrated: Dehydration can affect kidney function. Aim to drink at least 64 ounces of water per day.

Quit smoking: Smoking damages the kidneys and doubles the rate of progression to end-stage renal failure. If you smoke, consult with your healthcare professional to set up a plan to quit.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of “The Savvy Senior” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

 

Published March 21, 2025

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