Does retiring early reduce Social Security? The truth—how benefits are really calculated: the 35-year rule, Average Indexed Monthly Earnings (AIME), bend points, indexing only through age 59, and why “zeros” hurt. In this episode, I break down: Why Social Security is based on your highest 35 indexed years—not your last job. How indexing stops after age 59, so skipping some early-60s work years often matters less than headlines suggest. Why zeros are the enemy—and simple ways part-time income can replace them. A clear Path A vs. Path B example (keep working vs. hang it up) to show how the impact often lands in the couple-hundred-per-month ballpark in my scenario. The crucial difference between retiring and claiming (FRA reductions vs. delayed credits). Quick checklist to get clarity: Download your earnings record at SSA.gov and fix any errors. Count your credited years—if you’re under 35, plan to replace zeros (even modest earnings help). Compare two scenarios: keep working a bit vs. retire earlier; check benefits at Full Retirement Age and at your actual claim age. Decide based on dollars and lifestyle, not fear headlines. Free resources mentioned in this episode: 🔗Click here for my free checklist 12 Must – Do Steps to Retire Sooner and Smarter.  🔗 Click here for the free MAGI Calculator Template (Microsoft Excel download). Use it to estimate your MAGI for ACA plans. 🎧Listen to these episode titles next that I mentioned in this podcast:  How to Tap Your IRA or 401(k) Early —NO IRS PENALTY! ACA MAGI: How to Calculate & Manage It for Big Savings! 💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.  

Retirement planning, early retirement, 7 signs you’re ready to retire, retire earlier than you think, retire in your 50s, how to retire early—here’s how to know if the numbers and lifestyle say YES. If you’re wondering “Am I actually ready to retire sooner?”, this episode walks through 7 clear signs—financial, lifestyle, and mindset—that indicate you can retire earlier than you think. We’ll cover bridging to age 59½, penalty-free access options (Rule of 55 and Substantially Equal Periodic Payments under IRS Rule 72(t)), income diversification, healthcare planning, Monte Carlo stress tests, and a low-risk way to “test-drive” retirement before you leap. What you’ll learn:• Why 59½ is a key milestone—and smart ways to bridge those years• Penalty-free access paths: Rule of 55 and 72(t) SEPPs (complex, not for everyone)• How diversified income (cash, taxable brokerage, dividends/cap gains, Roth basis) boosts flexibility• Stress-testing your plan with Monte Carlo simulations to validate your withdrawal rate• Housing decisions (right-sizing or staying put) and their impact on cash flow• Healthcare budgeting before Medicare and how to plan for premiums/out-of-pocket costs• A simple “retirement test-drive” to build confidence before you quit Free resources mentioned in this episode: 🔗Click here for my free checklist 12 Must – Do Steps to Retire Sooner and Smarter.  🔗 Click here for the free MAGI Calculator Template (Microsoft Excel download). Use it to estimate your MAGI for ACA plans. 🎧Listen to these episode titles next that I mentioned in this podcast:  How to Tap Your IRA or 401(k) Early —NO IRS PENALTY! ACA MAGI: How to Calculate & Manage It for Big Savings! 💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.    

2026 health insurance: If Affordable Care Act (ACA) subsidies end, Plan A vs Plan B. Open Enrollment Nov 1; enroll by Dec 15 for Jan 1. MAGI targets, 400% FPL, on-exchange vs off-exchange. In this video,“No Subsidies in 2026? Plan A vs Plan B (Do This)”— I provide two pathways   so you’re ready to enroll by Dec 15 for a Jan 1 health insurance start,  and why I’m building both plans now given the uncertainty around enhanced ACA subsidies. Plan A (assume no enhanced subsidies): A1: On-exchange, ACA-compliant coverage even without credits (keeps ACA protections). A2: Off-exchange, ACA-compliant quotes (compare carefully; note that off-exchange doesn’t receive credits if they return mid-year). A3: “Alternatives” with caution (e.g., short-term, cost-sharing, memberships/DPC): understand pre-existing condition limits, exclusions, and red flags. Only as a time-boxed fallback. Plan B (if enhanced subsidies continue): Manage MAGI like a pro: right-size year-end Roth conversions, time capital gains, and use taxable brokerage for spending to avoid accidental income spikes. If working: lean on pre-tax payroll options and an HSA (with an eligible HDHP) to help control MAGI. If retired: be deliberate with pre-tax withdrawals—they raise MAGI and can shrink credits, also contribute to an HSA. 📊Free resources mentioned in this episode: 🔗 Click here for the free MAGI Calculator Template (Microsoft Excel download). Use it to estimate your MAGI for ACA plans. 🔗ACA Cost Estimator 🔗2025 Federal Poverty Level Guidelines 🔗Goto healthcare.gov or your state exchange to enroll in a 2026 ACA plan - open enrollment begins Nov 1.   🎧Listen to these podcasts of mine next for more info on the topics covered in this episode: ACA MAGI: How to Calculate & Manage It for Big Savings! Will ACA Subsidies Disappear After 2025? What You NEED to Know! The $12,900 Health Insurance Loophole for Early Retirees! Health Insurance Options for Early Retirement: What You NEED to Know How a Mutual Index Fund Cost Me $17K in Taxes (And How to Avoid This Mistake) 🔔 If you found this helpful, please subscribe & leave a review, or support me with a cup of coffee here.  💼My Favorite Retirement Planning Tool. If you're serious about planning for early retirement, you've got to check out Boldin.  It's a powerful tool that helps you map out your financial future -- whether you're a DIY planner or just want to stress-test your retirement strategy.  I personally use it and highly recommend!  Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I may earn a small commission at no extra cost to you. It's a simple way to support this podcast and the content I create. Thank you! ✅ FREE Early Retirement Planning ChecklistWhether you're just getting started or refining your plan, this free guide will help you take the next step! Download my free 12-step early retirement planning checklist—a practical, easy-to-follow guide that walks you through everything from calculating your FIRE number to building a tax-efficient withdrawal strategy.👉 Get your free checklist here: https://payhip.com/b/IBj3qI created this to help others like you pursue financial independence and retire on your own terms and as a thank you to my viewers. Whether you are years away or almost ready, this checklist will help you retire smarter and sooner and is the perfect companion to everything I share on this podcast. 🎥 When you’re not on the go, check out Mike’s Early Retirement Roadmap YouTube channel for more insights and inspiration.   🌐  Visit MikeUpland.com – Connect with Mike & explore retirement resources.

Retirement planning: 5 things to sell before you retire—downsize the house, cut support for adult children, ditch RV/boat “toys,” drop the second car, and release your work identity with my Keep-Sell-Swap test. If you want a calmer, freer retirement, subtraction beats addition. In this video I walk through five high-impact things to sell (or stop funding) to lower ongoing costs, reduce stress, and buy back time for what matters most—travel, family, health, and fun. What you’ll learn:• How to decide if your house is sized for your next chapter• A smart boundary for funding independent adult children without hurting your plan• Cheaper alternatives to ownership (boat clubs, rentals, peer-to-peer)• A simple test to see if you still need a second car• Why letting go of your old work identity creates real freedom My 3-step Keep, Sell, or Swap framework: Does this serve my next chapter—or my last one? What’s the real all-in cost (cash, time, stress, space, opportunity)? What becomes possible if I release it? Try the 60-Day Swap: live exactly as if the item is gone (park the RV, ignore the second car, use rentals). Track real inconveniences vs. habit itches. Decide with data, not guilt. 🔗Click here for my free checklist 12 Must – Do Steps to Retire Sooner and Smarter.  🔗 Click here for the free MAGI Calculator Template (Microsoft Excel download). Use it to estimate your MAGI for ACA plans. ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful!💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.  

Retirement planning, early retirement, money traps: timeshares, vacation homes, high-fee annuities, whole life insurance, long-term care insurance, high-yield bonds, high-fee active funds, cash flow, withdrawal rate. In this episode, we break down 7 “assets” rich retirees avoid—and why skipping them protects your cash flow and flexibility before and after you retire. You’ll learn how these purchases can raise ongoing costs, lock up money, or add risk at the worst time—and what simpler choices to use instead. What you’ll learn: Timeshares & vacation homes: exchange fees, rising dues/carrying costs, weak resale; why renting keeps flexibility High-fee annuities: layers of fees, surrender schedules, complex crediting; why simple, low-cost portfolios + a cash buffer win Whole life insurance (late start): high premiums, slow cash value; why separating insurance from investing helps cash flow Long-term care insurance: premium hikes, ADL triggers, fine print; when a dedicated LTC bucket (cash/short-term bonds/TIPS) can be a cleaner path High-yield corporate bonds: higher default risk right when stability matters; use high-quality bonds for ballast instead High-fee active funds: expense ratios and taxes drag; low-cost index funds tend to outperform over time 🔗Click here for my free checklist 12 Must – Do Steps to Retire Sooner and Smarter.  🔗 Click here for the free MAGI Calculator Template (Microsoft Excel download). Use it to estimate your MAGI for ACA plans. ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! 💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.

I retired early at 55. In this episode I show exactly how to retire early with 5 proven keys to early retirement: the mindset that powers compounding, how to raise your savings rate, the income multiplier, simple investing with low-cost index funds, and retirement planning that avoids sequence-of-returns risk. If you want to retire early—or just build a larger retirement nest egg—this step-by-step guide covers the Rule of 72, defense vs. offense budgeting, lifestyle-creep control, rental real estate and REITs, cash reserves, and the 4% rule vs. updated safe withdrawal rates and more! These early retirement strategies, investing basics, and financial independence tactics will help you retire early, invest smarter, and create reliable retirement income. What you’ll learn:• Key #1: Mindset and the power of compounding (Rule of 72)• Key #2: Defense + offense budgeting to boost your savings rate• Key #3: The income multiplier—raises, promotions, and skill stacking• Key #4: How to invest for retirement (index funds, value funds, real estate, REITs. etc)• Key #5: Know your number (4% rule, Bengen update, guardrails, cash buffer) 🔗Click here for my free checklist 12 Must – Do Steps to Retire Sooner and Smarter.  🔗 Click here for the free MAGI Calculator Template (Microsoft Excel download). Use it to estimate your MAGI for ACA plans.   ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! 💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.  

ACA MAGI explained: how to calculate and manage Modified Adjusted Gross Income (MAGI) for Affordable Care Act (ACA) subsidies—step-by-step, with a free MAGI calculator to lower premiums and maximize premium tax credits/subsidies. In this episode, we calculate ACA MAGI step-by-step using a real early-retiree scenario and show you how to keep ACA premiums low by hitting your MAGI “sweet spot.” You’ll learn:• What counts in MAGI vs. what doesn’t.• How to add back non-taxable Social Security benefits, tax-exempt interest, and excluded foreign income.• How Roth conversions, IRA withdrawals, dividends, interest, and capital gains flow into AGI and then ACA MAGI.• Form 8962 (reconciling with 1095-A) essentials.• How to plan for the 2026 subsidy cliff as the 400% FPL cap returns. 🔗 Click here for the free MAGI Calculator Template (Microsoft Excel download). Use it to estimate your MAGI for ACA plans. 📊 Resources mentioned in this episode:  More information on Traditional IRA contribution limits and the ability to deduct them: Traditional IRA Contribution Limits for 2025 - NerdWallet IRS Publication 501: 2024 Publication 501 2025 FPL Levels based on household size: detailed-guidelines-2025.pdf Click here for the ACA Cost Estimator 🎧 Podcast episodes mentioned:  This podcast episode where I talk about about using the ACA cost estimator and saw amazing results, including cost sharing reductions by controlling MAGI, titled: How Early Retirees Can Pay WAY Less for Health Insurance! This podcast episode on how a taxable brokerage account can be a superhero in reducing MAGI for ACA, titled: The $12,900 Health Insurance Loophole for Early Retirees! This podcast episode that goes into detail about the enhanced ACA subsidies likely expiring at the end of 2025, and the 400%FPL cliff returning in 2026, titled: Will ACA Subsidies Disappear After 2025? What You NEED to Know! ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! 💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.    

Roth conversions vs. ACA subsidies is the early retirement dilemma no one talks about. If you’re planning for early retirement, you need to know how Roth IRA conversions can raise your MAGI and cost you ACA health insurance subsidies before Medicare. In this episode, I’ll break down the trade-off, show you real examples, and share strategies to balance Roth conversions and Affordable Care Act subsidies. Retiring before 65 means health insurance is one of your biggest expenses. Should you save thousands on ACA subsidies today, or avoid massive RMD taxes later with Roth conversions? I’ll cover how subsidies work, how Roth accounts impact your Modified Adjusted Gross Income (MAGI), and what happens if enhanced subsidies expire after 2025. What you’ll learn:• Why Roth conversions are so popular in retirement planning• How ACA subsidies are calculated and why MAGI matters• Real-world examples of couples facing this Roth vs. ACA trade-off• Strategies like partial Roth conversions to protect subsidies• What changes when enhanced ACA subsidies end in 2026 This is one of the most important — and overlooked — retirement planning dilemmas. Listen to see if protecting ACA subsidies or prioritizing Roth conversions is smarter for your retirement strategy. 🎧 Listen to the following episodes mentioned in this podcast for more info that you'll find as show episodes:  - Health Insurance Options for Early Retirement: What You NEED to Know - How Early Retirees Can Pay WAY Less for Health Insurance! 🎧 And listen to these other episodes about health insurance in early retirement that are full of great information you can't miss!:  - The $12,900 Health Insurance Loophole for Early Retirees! -  Will ACA Subsidies Disappear After 2025? What You NEED to Know!   📊 Here is the link to the ACA cost estimator tool mentioned : https://www.healthcare.gov/see-plans/#/ 📊2025 Federal Poverty Level Guidelines: https://aspe.hhs.gov/sites/default/files/documents/dd73d4f00d8a819d10b2fdb70d254f7b/detailed-guidelines-2025.pdf ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! 💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #RothIRA #ACASubsidies #EarlyRetirement    

Early retirement at 55 comes with financial and lifestyle challenges most people don’t expect. In this video, I share 5 things I wish I knew before retiring early, including lessons on retirement planning, healthcare costs, spending habits, and mindset shifts that can make or break your retirement years. Retiring early isn’t just about saving enough money — it’s about knowing how to spend wisely, manage healthcare, and protect your peace of mind. If you’re planning for early retirement (or thinking about retiring at 55 like I did), these insights will help you avoid regrets and set realistic expectations for the journey ahead. What you’ll learn in this video:• Why retiring early feels different than expected• The financial and emotional lessons I wish I knew before retiring• How healthcare, spending habits, and mindset can shape your retirement• Tips for avoiding common regrets in early retirement ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! 💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #retiringearly #earlyretirement #retirementplanning

Working past 60 might seem smart, but it could be the biggest retirement mistake you make. In this video, we reveal the hidden costs of working past 60 — from lost health years to missed financial opportunities — and how to find your perfect retirement timing. You’ll learn why the payoff for working longer can shrink after age 60, how taxes and Medicare premiums eat into those extra earnings, and why your healthiest years may be slipping away. Plus, I’ll share real-life examples, surprising data, and a practical framework for deciding when it’s truly time to retire. ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! Resources Mentioned: 📊 New York Life Study: https://time.com/3821757/this-is-the-retirement-regret-nobody-talks-about/ 💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #WorkingPast60 #RetirementPlanning #EarlyRetirement

Wondering how the 2025 tax law changes affect your retirement strategy? This video breaks down the One Big Beautiful Bill Act, a landmark tax bill signed into law by President Trump — and its HUGE implications for retirees, early retirees, and anyone planning for financial independence. 📌 Here’s what you’ll learn: 🏦 2025 retirement tax changes that lock in the 2017 Tax Cuts and Jobs Act (TCJA) permanently 💰 Extended income tax brackets, standard deduction increases, and the brand-new senior tax deduction 🧾 Detailed breakdown of Child Tax Credit enhancements, AMT exemption, SALT cap increase, and capital gains tax stability 🚗 New 2025-2028 deductions for auto loan interest, tip income, and overtime pay 🏥 What the bill didn’t do: the ACA subsidy cliff and how it could affect early retirees in 2026 💼 How to optimize Roth conversions, HSA contributions, and long-term retirement planning This is the 2025 retirement tax update you can’t afford to miss — I did all the research so you don’t have to! If you’re nearing retirement or in early retirement, these tax changes for retirees in 2025 could seriously impact your strategy. Make smarter money moves with clarity and confidence. ✅ ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! 💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #RetirementTaxChanges #2025TaxUpdate  #EarlyRetirementPlanning, #SeniorTaxDeduction #OneBigBeautifulBill

Want early access to your 401(k) or IRA before age 59½ without getting slammed by the IRS 10% penalty? In this episode, I’ll walk you through the IRS Rule 72(t)—a little-known but completely legal loophole that allows penalty-free early withdrawals through SEPP (Substantially Equal Periodic Payments). This strategy could unlock your early retirement plans—but beware, the rules are strict and the risks are serious. ✅ We’ll cover: How IRS Rule 72(t) works with IRAs and 401(k)s Eligibility requirements and account types How long you must commit to fixed withdrawals Major risks including sequence-of-returns and tax traps When Rule 72(t) makes sense—and when it absolutely doesn’t If you're aiming for early retirement and don’t qualify for the Rule of 55 or have limited brokerage/Roth options, Rule 72(t) could be your lifeline. But it can also backfire if you’re not careful. ⚠️ Don’t attempt this without consulting a tax pro or retirement planner—this is one of the most complex strategies out there. 🎁 Download my free guide: 12 Must-Do Steps to Retire Sooner and Smarter. Whether you're just getting started or refining your plan, this free guide will help you take the next step! It's a practical, easy-to-follow guide that walks you through everything from calculating your FIRE number to building a tax-efficient withdrawal strategy.👉 Get your free checklist here: https://payhip.com/b/IBj3q  I created this to help others like you pursue financial independence and retire on your own terms and as a thank you to my viewers. Whether you are years away or almost ready, this checklist will help you retire smarter and sooner and is the perfect companion to everything I share on this podcast. ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! 💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.   #EarlyRetirement #401kWithdrawal #IRSRule72t #RetirementPlanning #FinancialFreedom

Are you really ready for retirement? As your retirement countdown begins, I reveal the critical steps you must take to ensure you're fully prepared to retire confidently and securely. From defining your retirement vision to setting a realistic retirement age, I cover everything you need to know for effective retirement planning. In this retirement planning video, you’ll discover: How to pick the ideal retirement age (55, 59½, or 62) to maximize your retirement savings and avoid penalties. Essential budgeting strategies for retirement, including accurately planning for healthcare expenses before Medicare. Proven methods to calculate your FIRE number, going beyond the standard 4% rule for early retirement success. Powerful risk-management techniques to protect your nest egg from sequence of returns risk and market volatility. Crucial insights about when to claim Social Security, and how avoiding a common trap could save you thousands. Get started with my free checklist, "12 Must-Do Steps to Retire Sooner and Smarter," to ensure you don't miss a thing as you prepare to retire:👉 https://payhip.com/b/IBj3q Stress-test your retirement plan using the highly recommended retirement planning software (Boldin) mentioned in the video: Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I may earn a small commission at no extra cost to you. It's a simple way to support this podcast and the content I create. Thank you! 📺 When you're not on the go, watch the Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: Buy me a coffee: https://buymeacoffee.com/mikeupland.com DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.  #CountdownToRetirement #RetirementPlanning #EarlyRetirement #RetirementChecklist #SocialSecurityTips

Thinking about early retirement? Here are 6 powerful reasons to retire early—covering retirement planning, financial freedom, health, and why waiting longer could cost more than money. Whether you're close to retiring or just exploring the idea, these insights might change how you think about work, money, and time. Inspired by the popular topic “5 reasons to retire early,” this video takes it further—showing why waiting even one more year could cost you more than just money. We’ll explore the opportunity cost of continued work, how your health and freedom are affected, and why arbitrary retirement goals may be holding you back from the financial independence you’ve already earned. I retired early at 55, and in this episode, I’ll share the reasons that finally made me take the leap—and how it’s changed my life, and that you should consider too. 👉 If you’re ready to rethink your retirement timeline, this video is for you.  ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! 💼 My Favorite Retirement Planning Tool, and that I mentioned in this episode! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! ✅ FREE Early Retirement Planning ChecklistWhether you're just getting started or refining your plan, this free guide will help you take the next step! Download my free 12-step early retirement planning checklist—a practical, easy-to-follow guide that walks you through everything from calculating your FIRE number to building a tax-efficient withdrawal strategy. 👉 Get your free checklist here: https://payhip.com/b/IBj3q I created this to help others like you pursue financial independence and retire on your own terms and as a thank you to my viewers. Whether you are years away or almost ready, this checklist will help you retire smarter and sooner and is the perfect companion to everything I share on this podcast. 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #earlyretirement #retireearly #financialfreedom #retirementplanning #retirement

Think you need $1 million to retire? That Medicare covers everything? Or that your expenses will drop after you stop working? In this episode of the Early Retirement Roadmap Podcast, I bust the top 10 retirement myths—with real data and practical advice. These are the beliefs that could seriously derail your plans and cost you thousands if you fall for them. We’ll cover myths about: Retirement savings goals Taxes in retirement Social Security and Medicare Downsizing and expenses Longevity and lifestyle in retirement...and much more. I retired at 55 and have seen firsthand how common these myths are—and how dangerous they can be. Listen now to plan smarter and retire with confidence.   Resources Mentioned:  📊 Myth #10: Federal Reserve Study reports 5% of households have $1 Million Saved and under 2% have 2 million saved, and median savings: https://www.retirementliving.com/do-you-really-need-1-million-to-retire 📊Myth #9 SmartAssett.com – Is Social Security Income Taxable?: https://smartasset.com/retirement/is-social-security-income-taxable 📊Myth #8: Schroder’s Retirement Study: https://www.schroders.com/en-us/us/institutional/media-center/schroders-retirement-study-finds-inflation-taking-toll-on-retirees/ 📊Myth #8 Retirement Researcher, Retirement Spending Smile: https://retirementresearcher.com/retirement-spending-smile/ 📊Myth #7: National Council on Aging (NCOA), Social Security Only Replaces 37% of earnings, on average, see: https://www.ncoa.org/article/debunking-the-top-6-financial-myths-about-retirement/ 📊Myth #7: Kiplinger, Average Social Security Benefits in 2025, see: https://www.kiplinger.com/retirement/social-security/how-to-get-the-maximum-social-security-check 📊Myth #7: The Center On Budget and Policy Priorities, average social security income: https://www.cbpp.org/research/social-security/top-ten-facts-about-social-security 📊Myth #6: Kiplinger, regarding social security running out of money: https://www.kiplinger.com/retirement/social-security/when-will-social-security-and-medicare-trust-funds-run-out-of-money 📊 Myth #5: Fidelity, 2023 Estimates of Healthcare Costs Medicare Parts A & B Don’t Cover: https://newsroom.fidelity.com/pressreleases/fidelity--releases-2023-retiree-health-care-cost-estimate--for-the-first-time-in-nearly-a-decade--re/s/b826bf3a-29dc-477c-ad65-3ede88606d1c 📊Myth #4: National Council on Aging – 64 percent of retiree retired sooner than expected, see: https://www.ncoa.org/article/debunking-the-top-6-financial-myths-about-retirement/ 📊Myth #3: Merrill Lynch and Age Wave Study – Many retirees don’t downsize as reported by CNBC: https://www.cnbc.com/2021/04/13/op-ed-more-boomers-are-choosing-to-upsize-their-homes-in-retirement.html 📊Myth #2: 1 out of 3 65-year-olds will live until at least age 90 – see: https://www.ncoa.org/article/debunking-the-top-6-financial-myths-about-retirement/ 📊Myth #1, People are Happier in Retirement, and not bored, see: https://www.massmutual.com/global/media/shared/doc/2024_massmutual_retirement_happiness_study.pdf   ❤️ Like, Subscribe, Follow, Share and leave a review if this helped! 📺 When you're not on the go, watch the Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: Buy me a coffee: https://buymeacoffee.com/mikeupland.com   DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.    #retirementmyths #earlyretirement #retirementplanning #personalfinance #financialfreedom

🚨 Roth Conversion Warning: Miss This 2025 Window, Regret It FOREVER! In this episode, I break down why Roth conversions in 2025 are more important than ever—and how early retirees, those already retired, or those thinking about retirement could face massive tax regret if they don’t act soon. Whether you're already in early retirement or planning to retire soon, you'll learn: ✅ Why the 2025 Roth conversion deadline is a critical tax planning window ✅ How losing ACA subsidies in 2026 could spike your health insurance costs ✅ What triggers Medicare IRMAA penalties—and how to avoid them ✅ How to run your Roth conversion numbers the smart way - all the things you need to be aware of to avoid potential pitfalls ✅ Estate planning, tax brackets, and how strategic Roth conversions can save you six figures 🔥 Don’t miss this Roth conversion opportunity—use it before it disappears. Resources mentioned or for more information: 📊 Department of Treasury, U.S. National Debt: https://fiscaldata.treasury.gov/americas-finance-guide/national-debt/ 📊 Charles Scwaab Conversion Calculator: https://www.schwab.com/ira/ira-calculators/roth-ira-conversion 📊Boldin Conversion Calculator: https://www.boldin.com/retirement/roth-conversion-calculator/ 📊Bloomberg Government: 2025 Tax Policy Crossroads—What Will Happen When the TCJA Expires?: https://about.bgov.com/insights/elections/2025-tax-policy-crossroads-what-will-happen-when-the-tcja-expires/ 📊Thomson Reuters: What to know about TCJA expiration: https://tax.thomsonreuters.com/blog/what-to-know-about-tcja-expiration/ 📊Mariner Wealth Advisors: Early Retirement and Roth Conversions: https://www.marinerwealthadvisors.com/insights/early-retirement-should-you-consider-a-roth-conversion/ 📊Kiplinger: Benefits of Roth IRA Conversions Early in Retirement: https://www.kiplinger.com/retirement/benefits-of-roth-ira-conversions-early-in-retirement 📊Investopedia: How Much Tax Do You Pay on a Roth IRA Conversion?: https://www.investopedia.com/articles/retirement/08/roth-conversion-2010.asp 📊Wells Fargo: Roth IRA Conversion Rules and FAQ: https://www.wellsfargo.com/investing/retirement/ira/roth-ira-conversion/ 📊Money With Katie: The Roth Conversion Ladder: https://moneywithkatie.com/blog/how-to-use-your-401k-in-early-retirement-without-a-10-penalty ❤️ Like, Subscribe, Follow, Share and leave a review if this helped! 📺 When you're not on the go, watch the Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: Buy me a coffee: https://buymeacoffee.com/mikeupland.com   DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.  #rothconversion #retireearly #retirementplanning #taxplanning #taxesinretirement #earlyretirement

Are you constantly worried about running out of money in retirement? You’re not alone—and the good news is, the truth might surprise you! In this podcast, I reveal what most people get wrong about retirement spending, how rare it actually is to run out of money, and the real strategies that work—especially if you're retiring early. We’ll break down the 4% rule, portfolio withdrawal strategies, the guardrails approach, and real-world data that shows how most retirees end up with more money than they started with. Whether you're planning for early retirement or already living it, this episode will help you stop worrying and start living! Learn how to make your money last, without the stress. 🔍 Topics covered: ✅ How to stop worrying about running out of money in retirement ✅What the 4% rule really means (and its limitations) ✅The truth about retirement portfolio longevity ✅How guardrails can give you more flexibility and confidence ✅Common mistakes retirees make with money Resources Mentioned: 📊 Michael Kitces article on why most retirees will never spend their entire retirement portfolio: https://www.kitces.com/blog/consumption-gap-in-retirement-why-most-retirees-will-never-spend-down-their-portfolio/ 📊Michael Kitches article regarding implementing retirement income guardrails: https://www.kitces.com/blog/implementing-retirement-income-guardrails-to-facilitate-the-right-spending-raises-and-spending-cuts/ 📊Retirment Planning Tool I Use, Boldin.com: https://www.boldin.com/ ❤️ Like, Subscribe, Follow, Share and leave a review if this helped! 📺 When you're not on the go, watch the Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #retireearly #earlyretirement #retirementplanning #financialfreedom #financialindependence

Want to retire on $10K a month? This episode shows exactly how much you need saved in 2025 and beyond—factoring in taxes, healthcare, inflation, Social Security, and investment risk. We’ll break down what it really takes to sustain $10,000 in monthly retirement income spending —whether you're aiming for early retirement, following the 4% rule (and why the 4% rule should really be used only as a very rough ballpark estimate), or just want a comfortable, worry-free lifestyle. You’ll also learn how to reduce your savings target without sacrificing your standard of living. You’ll learn: ✅ How much you need to retire with $10K/month in spending ✅ Why withdrawal rate and account types can make or break your plan ✅ How Social Security and other income reduce your savings target ✅ What risks like sequence of returns and inflation really mean ✅ Strategies to optimize taxes and healthcare before Medicare 🔧 Tools Mentioned: Boldin.com – powerful retirement modeling: https://www.boldin.com/ Resources: 📊 Morningstar, 3.7% Starting Withdrawal Rate: https://www.morningstar.com/business/insights/research/the-state-of-retirement-income 📊 Morningstar: Re-evaluating the 4% Withdrawal Rule: https://www.morningstar.com/retirement/morningstars-retirement-income-research-reevaluating-4-withdrawal-rule 📊Charles Scwaab – How Many Years of Cash Reserve: https://www.schwab.com/learn/story/market-volatility-retirement-what-if-you-havent-prepared 📊 More about bond tents: https://www.thegoodlifejourney.com/home/bond-tent-early-retirement-strategy? & https://www.kitces.com/blog/managing-portfolio-size-effect-with-bond-tent-in-retirement-red-zone/ ❤️ Like, Subscribe, Follow, Leave a Review, and Share if this helped! 📺When you're not on the go, watch the Early Retirement Roadmap channel on YouTube: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This video is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #retireearly #earlyretirement #retirementplanning #financialplanning #retirement

⚠️ Are ACA subsidies really going away after 2025? If you're planning to retire early or already living off your investments, this could impact your healthcare costs in a big way. In this episode, I explain exactly what's happening with ACA subsidies in 2026—what's expiring, what's staying, and how you can still qualify for financial help through smart retirement planning and income strategies. You’ll learn: ✅ What the “subsidy cliff” is and how to avoid it ✅ How to use MAGI planning to stay eligible for ACA tax credits ✅ What changes after the Inflation Reduction Act ends ✅ Why taxable brokerage accounts and Roth strategies are your secret weapons.  Even if the enhanced subsidies go away, you can still protect your early retirement plan—if you know how to plan ahead. 📉 Don’t get surprised by skyrocketing ACA healthcare premiums in 2026. This episode breaks it all down. 🎯 If you’re aiming to retire before Medicare kicks in, this is a must-watch. Episodes to listen to next: 🎧 This episode about health insurance options for early retirement, title of: Health Insurance Options for Early Retirement: What You NEED to Know -- Click here to listen on YouTube: https://youtu.be/3lxFC-ob2E4 🎧 This episode about slashing ACA premiums by strategically funding your retirement income to reduce MAGI, where a taxable brokerage account in particular is the big hero, title of: The $12,900 Health Insurance Loophole for Early Retirees!  Click here to listen on YouTube: https://youtu.be/rvbxNVaW3iM 🎧This episode where I talk thru the results I achieved on the actual ACA Estimator Tool on heatlhcare.gov, using the strategy, with 3 case scenarios, from the episode directly above!, title of: How Early Retirees Can Pay WAY Less for Health Insurance! Click here to listen on YouTube: https://youtu.be/2QqresmHRCg Resources Mentioned/Further Reading: 📊 Commonwealth Fund Article: https://www.commonwealthfund.org/publications/explainer/2025/feb/enhanced-premium-tax-credits-aca-health-plans 📊 Kaiser Family Foundation Articles - lots of current articles/happenings pertaining to the ACA: https://www.kff.org/tag/marketplaces/ 📊Medicare Rights Center Article: https://www.medicarerights.org/medicare-watch/2025/04/17/congress-must-act-to-continue-affordable-care-acts-enhanced-premium-tax-credits ❤️ Like, Follow, Comment, Subscribe, and Share if this episode helped you!  📺 When you're not on the go, watch the Early Retirement Roadmap Channel on YouTube and subscribe: https://www.youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #earlyretirement #retireearly #healthinsurance #financialplanning #retirementplanning  

If you're in your 40s, 50s, or 60s, watch this! In this podcast, I share 25 life lessons from people over 70 — timeless wisdom for navigating midlife, retirement planning, relationships, purpose, and happiness. These life lessons are based on the powerful research of Dr. Karl Pillemer, author of 30 Lessons for Living, who interviewed over 1,000 older adults to uncover the most important advice they would pass on. I’ve distilled those insights into 25 practical lessons tailored especially for those of us between ages 45 and 65. Whether you’re thinking about retirement, already retired, or simply looking to make the most of your next chapter, this episode is packed with real-world advice from those who’ve been there. 👉 Watch now to learn how to: Worry less and enjoy more Nurture relationships before it’s too late Prioritize time over things Age with purpose, clarity, and peace And much, much more! 🧠 Don’t miss these life-changing insights from 70+ year-olds — especially if you’re in your 40s, 50s, or 60s! 📊See more about Dr. Karl Pillemer's book, read reviews and purchase here: https://amzn.to/45g8ziF Disclosure: The link above is an affiliate link, which means I may earn a small commission if you make a purchase — at no extra cost to you. Thank you for supporting the channel! ❤️ Like, Subscribe, Follow and Share if you found this episode meaningful. 📺When you're not on the go, watch the Early Retirement Roadmap channel on YouTube. 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #lifelessons #advicefromoldpeople #midlifewisdom #retireearly #retirementplanning