Hidden Cost of Working Past 60 (No One Talks About This)

Описание: Book a call with me here: https://calendly.com/jason-soloman/45...

Many people assume working past age 60 is the safest financial decision they can make. More income. More savings. More security. But what most retirees don’t realize is that continuing to work into your 60s can quietly increase lifetime taxes, raise Medicare premiums, reduce Social Security flexibility, and limit the planning opportunities that matter most in retirement.

I regularly meet people who worked until 65 believing they were doing the “responsible” thing—only to discover that stacking earned income on top of investment growth, Social Security timing, and future Required Minimum Distributions actually left them with less flexibility and higher lifetime costs.

In this breakdown, I walk through the overlooked financial consequences of working past age 60, including higher marginal tax brackets, lost Roth conversion windows, increased Medicare IRMAA surcharges, and how delaying retirement can remove valuable low-income planning years that help smooth taxes later in life.

This is not about retiring as early as possible. It’s about understanding whether those extra working years are actually improving your long-term retirement outcome—or quietly working against it.

If you’re approaching retirement and want to be confident your plan is coordinated across taxes, income, healthcare, and portfolio strategy, you can schedule a conversation using the link above. I’ll walk you through your options so you can make informed decisions with clarity—not guesswork.











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