The house-cost breaks most homeowners over 65 never claim.
A simple kit. It shows the property tax freezes and breaks, the help with heat and power bills, and the home repair programs. You already paid for them with your taxes. We show you how to claim each one.
- Start Here: What the House Costs to Keep
- Worksheets, Contacts and Sources
- Part 1 — Reading the Tax Bill, Line by Line
- Part 2 — The Senior Programs, and What Each One Does
- Part 3 — Appealing the Assessment
- Part 4 — Utilities and Home Costs
- Part 5 — Repairs, Insurance and Staying Put
- Part 6 — The Yearly Routine
- State Home-Relief Pack (51 states)
- Start Here: What the House Costs to Keep
- Worksheets, Contacts and Sources
- Part 1 — Reading the Tax Bill, Line by Line
- Part 2 — The Senior Programs, and What Each One Does
- Part 3 — Appealing the Assessment
- Part 4 — Utilities and Home Costs
- Part 5 — Repairs, Insurance and Staying Put
- Part 6 — The Yearly Routine
- State Home-Relief Pack (51 states)
- Start Here: What the House Costs to Keep
- Worksheets, Contacts and Sources
- Part 1 — Reading the Tax Bill, Line by Line
- Part 2 — The Senior Programs, and What Each One Does
- Part 3 — Appealing the Assessment
- Part 4 — Utilities and Home Costs
- Part 5 — Repairs, Insurance and Staying Put
- Part 6 — The Yearly Routine
- State Home-Relief Pack (51 states)
Prices shown are each part's own list price. Totals are what the set would cost bought separately.
Right now you might be thinking…
Sound familiar?
Every one of those is covered in here. This was built for people starting from exactly that spot.
What you walk away able to do:
- ✓Claim the property tax freeze or break your state gives older people.
- ✓Get help with heat and power bills (LIHEAP and weather work) to cut what you pay each month.
- ✓Use home repair programs. That includes USDA grants up to $10,000 if you are 62 or older.
- ✓Find out if you qualify as a renter too. Several programs are not just for owners.
- ✓Use the application tracker and the contacts list to apply where you live, on time.
…and a good deal more.
GIVE ME THE WHOLE KIT — $29Everything above · instant download↓ Keep scrolling for all 8 parts ↓
If you only open four things, open these:
Start Here: What the House Costs to Keep
The four pages that place the rest: read the bill, find the exemptions, appeal the value, cut the running costs. Led by the deadline people miss — in many places the appeal clock is about 30 days from the notice, and nobody rings to tell you it started.
Part 1 · Reading the Tax Bill, Line by Line
A tax bill looks like one number. It is four numbers multiplied together — market value, assessed value, exemptions, rate — and each one is a separate place to save money or find somebody's mistake. This is how to read all four off your own bill.
Part 2 · The Senior Programs, and What Each One Does
Five kinds of relief: exemption, credit, assessment freeze, circuit breaker, and deferral — which is a loan, not a discount, and the part gives it the honest treatment. Plus the veteran and disability exemptions, often the largest of the lot, and the six questions to ask your county.
Part 3 · Appealing the Assessment
Deadlines come before the bill, not with it, and that is why most appeals never happen. The valuation date, the comparable sales to bring, the informal review before the formal protest, what boards will not hear, and what the hearing is actually like.
If you want nothing to slip afterwards, these do that:
Part 4 · Utilities and Home Costs
The tax bill comes once or twice a year; the utility bills come every month and often add up to more. LIHEAP, weatherization, billing errors in your favor, winter shut-off protection and the medical certificate that extends it, and Lifeline for phone and internet.
Part 5 · Repairs, Insurance and Staying Put
Section 504 loans and grants for older owners, the other repair routes worth one call each, what your deductible really exposes you to when the roof goes, non-renewal notice rules, and an honest look at reverse mortgages — including the clause to confirm in writing.
Part 6 · The Yearly Routine
What is deductible and what only looks it, the twelve-month routine month by month, and the four dates to write down today. Each one is a single phone call away.
Worksheets, Contacts and Sources
Eight printable pages: the tax-bill audit, the program application tracker, the comparable-sales evidence sheet, the appeal packet checklist, the utility tracker, the repairs and insurance review, your annual calendar and the deferral decision sheet. Plus the contacts page and every source.
What this is worth, piece by piece:
You save $119. That is 80% off.
GET THE KIT — $29Everything above · instant downloadWhat readers have said
Here is what a few have said ↓
“I bought the retirement protection package thinking I already knew most of it. The beneficiary review, bank authorization section, and property tax exemption checklist were all things we had not updated.”
“I probably could have found most of this information eventually, but I would have spent days doing it. This organized it into one system and showed me what information mattered.”
“My parents are in their 70s and I handle a lot of their paperwork. The checklists made it much easier to figure out what had already been handled and what still needed attention.”
“I've bought retirement PDFs before that were basically blog posts turned into downloads. This actually had worksheets, calculators, checklists, examples, and specific resources.”
Reviews are from RetireShield customers, and cover our kits as a whole rather than this one alone. Individual results. Results may vary and are not guaranteed.
What people ask me first…
“I would not know where to start”
That is exactly what the first part is for — it starts from zero and tells you the next single thing to do.
“I am not good with computers”
Every guide is a PDF you can read on your phone or print at home. Nothing to install, nothing to set up.
“I have put this off for a while”
Then start with “Start Here: What the House Costs to Keep.” It is short and tells you what to do first.
“I should probably ask my daughter”
Hand it to them. The worksheets are made to be filled in together.
30 days. You risk nothing.
If it does not help you, email us inside 30 days and we send back every penny. We will not ask you why. We never sell your name or your email.
Questions I get asked a lot
Is this easy to use?+
Yes. Plain words, big type, and simple lists. If you can read a letter and fill in a form, you can use this.
Do renters get anything?+
Often yes. Several bill and help programs include renters. The kit shows which ones and how to apply.
When do I get it?+
Right away. It shows up on your screen the moment you pay. We email you a copy too.
Do I pay every month?+
No. You pay $29 one time. Nothing repeats. There is nothing to cancel.
Is this money advice?+
No. It only teaches you. Every program is free to apply for through your state or town office. You always deal with them yourself.
The house-cost breaks most homeowners over 65 never claim.
- Start Here: What the House Costs to Keep
- Worksheets, Contacts and Sources
- Part 1 — Reading the Tax Bill, Line by Line
- Part 2 — The Senior Programs, and What Each One Does
- Part 3 — Appealing the Assessment
- Part 4 — Utilities and Home Costs
- Part 5 — Repairs, Insurance and Staying Put
- Part 6 — The Yearly Routine
- State Home-Relief Pack (51 states)
- Start Here: What the House Costs to Keep
- Worksheets, Contacts and Sources
- Part 1 — Reading the Tax Bill, Line by Line
- Part 2 — The Senior Programs, and What Each One Does
- Part 3 — Appealing the Assessment
- Part 4 — Utilities and Home Costs
- Part 5 — Repairs, Insurance and Staying Put
- Part 6 — The Yearly Routine
- State Home-Relief Pack (51 states)
- Start Here: What the House Costs to Keep
- Worksheets, Contacts and Sources
- Part 1 — Reading the Tax Bill, Line by Line
- Part 2 — The Senior Programs, and What Each One Does
- Part 3 — Appealing the Assessment
- Part 4 — Utilities and Home Costs
- Part 5 — Repairs, Insurance and Staying Put
- Part 6 — The Yearly Routine
- State Home-Relief Pack (51 states)
Takes about a minute. You will be reading in two.
The Retirement Money Brief
Our free email for people over 65. One change to Medicare, taxes or benefits each weekday morning — the date to watch, and the one step to take.
RetireShield is independent and is not affiliated with or endorsed by any government agency. Our materials are educational and are not legal, tax, medical, insurance or benefits advice. Results may vary and are not guaranteed. © 2026 RetireShield.