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AMERICANS in nine US states are at risk of seeing their Social Security checks slashed each month – a scary reality that could have an impact on your retirement planning.

While every beneficiary is potentially hit with taxes on Social Security income by the federal government, certain Americans are forced to shell out even more of their benefits.

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Certain Americans residing in nine US states may see their Social Security benefits slashed[/caption]

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Some Americans are forced to pay more than just federal taxes on their Social Security benefits[/caption]

Millions of retirees are heavily dependent on their monthly Social Security checks, which make up a major source of income for roughly six in 10 seniors, per a recent Gallup poll.

That marks one of the highest responses since 2002 when the poll began, highlighting just how crucial the social program is for many.

While some Americans see income tax deduced from their monthly Social Security benefits by the federal government, others are at risk of having a greater chunk of their crucial payments slashed.

Retirees in nine states may potentially lose up to 10% of their monthly checks due to state taxes, based on their income and where they live.

COLORADO

Colorado residents aged 65 or older, individuals with an adjusted gross income below $75,000, or joint filers with an AGI under $95,000 do not have to pay taxes on Social Security.

For individuals under the age of 65 whose income is too high for a full exemption, a deduction of up to $20,000 can be applied to their federally taxable Social Security income.

Any federally taxable amount that exceeds this $20,000 deduction is subject to a 4.4% tax.

CONNECTICUT

Connecticut residents with an AGI under $75,000 or joint filers with an AGI below $100,000 are exempt from paying state taxes on Social Security benefits.

For those with higher AGIs, only up to 25% of their benefits may be subject to the state tax.

The tax rate applied varies by income and falls between 4.5% and 6.99%.

MINNESOTA

In Minnesota, individuals with an AGI under $84,490, or $108,320 for joint filers, do not have to pay state taxes on their Social Security payments.

For every $4,000 above the AGI thresholds, taxpayers in the state are taxed on an additional 10% of their Social Security benefits, as included in their federal taxable income.

The applicable state income tax rate ranges from 6.8% to 9.85%, depending on overall income.

MONTANA

In Montana, any portion of an individual’s Social Security benefits that are included in their federal income can also be taxed by the state.

Residents older than 65 are given an additional $5,660 deduction on their state taxes.

The tax rate ranges from 4.7% to 5.9%.

NEW MEXICO

Residents of New Mexico with an AGI of $100,000 or less, or $150,000 or less for joint filers, do not owe the state any taxes from their Social Security.

For all other taxpayers in the state, any portion of their Social Security benefits already taxed at the federal level will also be taxed by New Mexico at a rate between 4.9% and 5.9%.

RHODE ISLAND

Taxpayers in Rhode Island with an AGI under $104,200, or $130,250 for joint filers, are not required to pay state taxes on Social Security.

All others will be taxed on any payments included in their federal income at a rate ranging from 4.75% to 5.99%.

UTAH

In Utah, Social Security income that is included in one’s federal taxes is likewise subject to state taxes.

Residents with an AGI under $45,000 for individuals or $75,000 for joint filers, however, qualify for a tax credit to help offset the state taxes owed on their federally taxable Social Security benefits.

Those with AGIs above the caps may be eligible to receive a partial credit.

The applicable tax rate is 4.55%.

VERMONT

Taxpayers in Vermont with AGIs under $50,000 for individuals or $65,000 for joint filers are not taxed on their Social Security income.

Those with incomes within $10,000 of these thresholds may qualify for a partial deduction.

If AGI exceeds $60,000 for individuals or $75,000 for joint filers, any portion of Social Security benefits included in federal taxable income is also subject to state tax.

The applicable tax rate ranges from 3.35% to 8.75%, depending on income.

WEST VIRGINIA

In West Virginia, individuals with an AGI below $50,000, or $100,000 for joint filers, do not have to pay state taxes on Social Security benefits.

Those with higher incomes are taxed on 35% of the Social Security benefits included in their federal taxable income.

The state tax rate ranges from 4.44% to 4.82%.

However, starting in 2026, West Virginia will fully eliminate state taxes on Social Security income for all residents.

In another US state, shoppers will see the sales tax skyrocket in just days after a July 1 law tacks on a 2% charge.

Meanwhile, Americans are set to get a $3,000 direct IRS refund this month – see the payment schedule and why yours might be delayed.

AMERICANS are looking for ways to save as the weather heats up.

A small change on your refrigerator could save you money on energy bills this year.

Refrigerators come with a variety of temperature settings — but if your fridge is set to be colder than necessary, you are likely using extra energy.

Energy keeps your fridge cool, but by setting it to be just cold enough to keep food safe, you could save big.

If you adjust your fridge temperature from 30 degrees Fahrenheit to 38 degrees Fahrenheit, you could save around $43 every year.

THE CALCULATION

The FDA recommends keeping your fridge at or below 40 degrees.

However, as refrigerator thermometers are not always consistent, it may be wise to aim slightly lower, around 38 degrees.

Any hotter than 40, and bacteria can rapidly multiply.

Switching a fridge from 30 to 38 would be an eight-degree increase.

According to Edison International, a ten-degree change in fridge temperature could impact your bill by 25%.

For an eight-degree increase in temperature, that could be around 20%. 

Energy bills and refrigerator energy usage varies widely, but assuming an energy cost around 25 cents per kilowatt-hour and refrigerator energy usage of 72 kilowatt-hours per month, that means changing the temperature would save you $3.60 each month.

Annually, that adds up to $43.20.

However, the change may not be instantaneous.

Fridges can take time to reach new temperatures after an adjustment.

According to manufacturer GE, an average refrigerator needs 24 hours to fully adjust to a new temperature.

On the scale of a full month or year, however, that’s not a long wait.

Everyone’s energy bill varies, so to calculate your savings on your own you will need to know your own approximate energy cost and fridge energy consumption. 

MORE WAYS TO SAVE

Fridge adjustments aren’t the only way to save on energy.

With climate change making summers hotter and longer and inflation pushing up costs, many people are looking for tricks to save on cooling.

Some simple things — like the direction your fan spins — could save you money.

The U.S. Sun compiled six tricks to save up on energy bills.

See how much it may cost to leave a fan running all night.

FOX News viewers got a peek behind the curtain as two of the network’s morning hosts spilled juicy details about their dating disasters live on air.

The surprising exchange played out during a lighthearted moment on Fox and Friends.

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Hosts Ainsley Earhardt and Lawrence Jones swapped dating horror stories live on air[/caption]

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The pair laughed off the awkward moment alongside[/caption]

The show airs out of New York.

Ainsley Earhardt and Lawrence Jones, who were joined by cohosts Brian Kilmeade and Carley Shimkus, shared laughs and awkward glances as they opened up about real-life dating fails.

It all started with Earhardt teasing Jones about how he tends to overshare.

“Lawrence shares a lot about his dating life,” she said with a grin.

Jones jumped in to clarify.

“Yeah, but I share with you off the record, right? And you have managed to tell maybe three or four stories of my exes on air,” he said.

He added that some of his exes weren’t thrilled about that.

“I get complaints,” he said. “Because they go, people take clips of this and they go, really?”

Earhardt, who is engaged to fellow Fox News star Sean Hannity, admitted she knew one particular story she wanted Jones to share.

He went on a date with a woman who ordered “like 5 million appetizers” and asked Jones to pay for her gas after the date.

“She would go on this date and she claims to be so independent,” Jones began.

“She orders four appetizers on a date, and she’s wasteful. She doesn’t even eat it all.”

“Two negatives,” Kilmeade responded.

“And you know, I just thought after she said all of this stuff about being independent, I always take the bill, but I wanted to see her reach for it,” Jones added.

But things only went downhill from there.

“She didn’t,” he said.

“But it got worse, didn’t it?” Kilmeade asked.

Jones said the woman asked for more than just dinner.

“She goes, ‘You know, my car is on,’” he recalled.

“I said, ‘OK, I’ll follow you to the gas [station],’ and she wanted me to fill her up.”

Earhardt couldn’t believe it: “She said, ‘You get out and pump it and pay for it?’”

“That’s right,” Jones confirmed.

When asked if he did it, Jones said, “No, I didn’t. I pumped it, but I wasn’t paying for that.”

The hosts then joked that the woman might be listening.

“In fact, we got her on the line right now,” Kilmeade said playfully.

“Oh my gosh, that was me,” Earhardt joked, impersonating her.

“That is the worst date ever,” she added, laughing.

The moment quickly shifted to a more serious segment, but the dating horror story left a mark.

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