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Your income will determine how much you pay, but here are some smart strategies that can help you lower your premiums.
Hi, r/retirement. A couple times previously, I've tapped this community to report and write articles for USA TODAY about how Americans experience retirement. (Thank you!) Now, I want to reach out with...
I turned 65 in April and was planning to retire at 67, but my mother passed in February and I inherited a fairly large estate, so I have moved my plans up. I had a decent size 401(k) and would’ve been...
For those who are between 59 1/2 and 65, do look into doing (some) Roth conversions within your IRA/401K accounts. If you don't, you may end up in a bind in the future. I did not do any Roth conversio...
David Conti has spent decades writing about retirement, Social Security, Medicare, and personal finance. After helping others prepare for retirement throughout his career—including his time at Fidelit...
I retired last spring at 62. My wife had already stepped back from her job the year before. We had saved, we had a plan, but the number that kept me awake was $1,280. That was the monthly quote for a ...
I ran the KFF calculator for a couple at $84,599 vs $84,601 across nine states. The two-dollar difference ....yikes. I wanted to know what it actually costs a pre-retiree couple to land on the wrong s...
Households often have assets they expect to use during retirement that are not level streams of income, as well as expenses that are not expected to recur every year. These items need special handling...
This week Roger explores the idea of "digging where your feet are" and how focusing on what you can do today can reduce anxiety about the future and regret about the past. In the Retirement Toolkit, h...
Did you know that Medicare Premiums are income based? The more you make the more you pay. How to avoid IRMAA jacking up your Medicare premiums in retirement.
This week Roger breaks down IRMAA Medicare surcharges and why retirees should understand them without letting them dominate retirement planning decisions. He explains how the income thresholds work, c...
Many retirees are surprised to learn that Medicare isn't always a fixed cost. If your income exceeds certain thresholds, Medicare can charge significantly higher premiums through a little-known rule c...
In our retirement advice column, Wealth Wise, our reader turns 65 a year before their spouse. Here is how to seamlessly bridge the age gap using veteran benefits.
I am 63 and married for 30 years - husband is 67 and retired from corporate 2+ years ago. We are financially sound - our FA says we are in great shape with nothing to worry about and that I can retire...
As funding questions persist for Social Security and Medicare Part A, speakers at the recent AICPA conference discussed how advisors can guide clients through complex benefit rules and options.
I retired from full-time work early last year, but I'm still subject to the surcharge because of this rule.
Healthcare may be one of the largest expenses you’ll face in retirement. According to Fidelity, a 65-year-old retiring today may spend an average of $172,500 on healthcare costs throughout retirement,...
Medicare beneficiaries are receiving new cards due to issues with their numbers, prompting concerns about legitimacy and potential fraud.
I only started digging into this after noticing I’ve been struggling with small print more often than I’d like to admit, like menus, labels, even stuff on my phone. It wasn’t a big sudden thing, just ...
This is the summary - the full report can be accessed by the link on the top or left of the page. Offered without comment. 2026 Social Security and Medicare Trustee Report Summary
When it comes to retirement savings, Roth IRAs are among the most powerful tools for achieving tax diversification and financial flexibility. Knowing how and when to tap into your Roth IRA can make a ...
Tuesday, May 26 - Monday, June 01, 2026 Most Commented score comments title & link 124 89 comments Our Medicare Advantage Experience 13 32 comments Pension and Best Options for Retirement submitted by...
Some drug prices are falling, other costs are climbing, and new rules abound. Here's what you need to know.
From Medicare gaps to housing choices, life aboard a cruise ship demands more planning than many expect.
Joe Schmitz Jr. and Jeremy Keil explore the 2% Club of retirees and the unique challenges that come with significant retirement savings and a pension. https://youtu.be/G04JKpKyLJ0 Most retirement conv...
I have no affiliation with any health insurance companies and no particular ax to grind. I just want to share our experience because I see a lot of scary information out there about Medicare Advantage...
What do retirees on Medicare do about dental and vision coverage? Are there programs you can sign up for? I just learned that these are not covered by Medicare, which seems crazy. (61 year old plannin...
McDreamy Dempsey wants to know if converting to Roth in the 37% tax bracket ever makes sense, and Gary in La Crosse warns Joe Anderson, CFP® and Big Al Clopine, CPA about Roth conversion "lag" and whe...
Will you owe the Medicare IRMAA surcharge in 2027? Grab your 2025 tax return and check the projected brackets and surcharges for next year.
Most people assume retirement taxes are based on how much they withdraw. The real problem is what the IRS eventually forces them to withdraw. In this episode, James walks through what taxes can actual...
Barring new entrants will be good for existing firms that will avoid competition. But it hard to see how it will prevent fraud or benefit patients and their families.
Don't let a medical emergency ruin your retirement. We explain why Medicare might not pay for cruise ship virus treatments and how to fill the coverage gap.
Learn who qualifies for Medicare’s GLP-1 Bridge, when $50 Wegovy and Zepbound access begins, and key rules beneficiaries need to know before July 2026.
Hi, all. Planning for retirement next year. Looks like my social security and pension (both inflation-adjusted, a bit less for the pension) will cover my basic budget without the need to tap the 401k,...
Policymakers will have to decide among four basic LTSS models: Medicaid; Medicare; public insurance; or leaving people and their families to fend for themselves.
This is going to be a bit long. We are planning on getting LTC insurance, my wifes dad used his benefit and we have no kids. I am just not sure how to think about it. I conceptualize 3 different reaso...
Wish we all could see the future! Will be 70 later this year. Still working part time, started collecting SS at FRA. Divorced long ago, never really recovered financially. Work recently started a 401k...
The plan would shift much long-term care from Medicaid to Medicare. It would for anyone with a significant need for care but tie benefits amounts to income and assets.
Chris Orestis, founder & president of Retirement Genius, explains how to make more informed Social Security decisions. Social Security is one of the most important decisions in retirement. And yet, ma...
Does this seem like a good plan for my HSA? Retirement date is 2 years out. How do most people manage this? (I'll get a medigap plan which can't be deducted from a HSA) TIA for any feedback you can pr...
Hello. I (59F) have been trying to plan to retire early-ish for years. I would like to very much soon. I have tried to make my plans generally as fitting the circumstance at the time only to have the ...
The government ratings for nursing homes are volatile and have significant shortcomings, according to a recent study.
Concerns over debt, Social Security and Medicare are fueling a decline in confidence about retirement.
Specific groups of retirees will have to pay higher premiums in 2017.
Here’s how to find a lower cost Medicare prescription drug plan.
Many retirees are eligible for a higher rated Medicare Advantage plan that costs less.
Medicare Part B premiums could double to about $5,000 annually per beneficiary in 2035, according to a new report.
I'm still working, born in 1959, and making more than I have in my top 35 years, so working still is going to be bonus additional money. Has anyone ever done this before? Everyone I know retired and s...
Medicare costs can spike if your income triggers the income-related monthly adjustment amount. Here's what to expect in 2026 and how to avoid it in the future.
The trust funds for Social Security and Medicare Part A seem likely to run out of money faster than was projected last year, the Congressional Budget Office estimates.