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When a person applies for Medicare benefits within the first 6 months of the year, the 6-month rule can also impact HSA eligibility for multiple tax years: Example: Trudy is 68 years old and plans to retire on April 1, 2024

Lack of sleep: When you don't get enough sleep, your body produces more ghrelin and less leptin, leading to increased appetite and cravings, especially for high-calorie, high-carb foods Chronic stress: Stress increases the hormone cortisol, which can also drive up appetite and lead to cravings for "comfort food." High cortisol levels can also disrupt your sleep, leading to more food cravings Even with semaglutide working in the background, a sleepless night or a stressful week can create hormonal shifts that are powerful enough to make you feel hungry

For men and women over 40, metabolic changes related to age can make weight loss especially challenging

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Escott-Price, A