In this episode Mark delves into the intricacies of ACA subsidies and the significant changes expected in 2026, including the return of the subsidy cliff and increases in Expected Premium Contribution levels based on household Federal Poverty Level guidelines.  He also shares insights from the new book 'Tax Planning To and Through Early Retirement' by Cody Garrett, CFP and Sean Mullaney, CPA which challenges his current approach to Roth IRA conversions. Mark also discusses his personal financial planning strategy for 2026 while offering listeners insight on how to navigate the evolving healthcare landscape. The episode concludes with a light-hearted note about Halloween preparations. Episode Links: Mark’s Money Mind YouTube Channel Beyond the Basics ACA Subsidy Reference Chart - Coverage Year 2025 Beyond the Basics ACA Subsidy Reference Chart - Coverage Year 2026 Tax Planning To and Through Early Retirement by Cody Garrett, CFP and Sean Mullaney, CPA Timestamps: 00:22 Life Update: Moving and Teaching 00:58 Roth IRA Conversions and ACA Subsidies 04:53 Upcoming Changes in ACA Subsidies 08:01 Federal Poverty Guidelines and Expected Premium Contributions Explained 18:34 Planning for 2026 and Beyond 25:58 Halloween Fun and Show Wrap-Up _______________ As an Amazon Associate this show earns income from qualifying purchases. Affiliate links do not increase your costs, and we will only link to products or services that we are familiar with and that we feel may deliver value to you. The modest income received from affiliate links helps support the cost of running and managing this show.