Once I Show Early Retirees This, Healthcare Becomes Easy

Описание: "I can't retire early because of healthcare." If this is the voice holding you back, this episode changes everything.

Healthcare costs terrify so many CRNAs approaching early retirement. You've saved enough money, you're burned out, and these are your good health years. But one fear keeps you working: what if healthcare costs blow up your plan?

In this episode, Brett reveals why healthcare shouldn't delay your early retirement and shows you the one number that simplifies everything. Once you know how MAGI (Modified Adjusted Gross Income) works, healthcare becomes predictable math instead of an expensive mystery.

We explore:
The one number that controls your health insurance costs before Medicare.
What counts as taxable income and what doesn't in retirement.
Real-life case studies showing couples retiring before 65, spending six figures, and keeping healthcare affordable.
How the healthcare subsidy cliff works and recent rule changes you need to know.
Why being "qualified rich, cash poor" limits your healthcare options.
The three biggest levers you can pull during the retirement gap years.
A simple framework to decide if healthcare should keep you working or if you're more ready to retire than you think.

Two people can spend $100,000 per year, but one pays full price for healthcare while the other receives massive subsidies. Same lifestyle, completely different premiums. The difference? Understanding MAGI and structuring withdrawals correctly.

Whether you're in your late 50s or early 60s, this episode gives you the roadmap to make healthcare planning manageable and stop letting it delay the retirement you've earned.

#CRNAs #EarlyRetirement #HealthcarePlanning #MAGI #affordablecareact

Key Timestamps:
(0:00) Brett addresses the fear that healthcare prevents CRNAs from retiring early.
(1:25) Introduction to MAGI as the single number controlling insurance costs.
(3:33) Identifying which withdrawal "buckets" count as income and which do not.
(6:24) Case study of a couple saving $100k by blending withdrawal sources.
(9:48) Explaining the ACA subsidy cliff and how income thresholds work.
(11:05) Modeling a worst-case scenario to turn vague fears into a plan.
(13:25) The "Qualified Rich, Cash Poor" problem of having only pre-tax savings.
(15:17) Utilizing the "retirement gap" window to engineer low-income years.
(16:25) A six-step framework to make healthcare planning practical.
(19:42) How blending withdrawals makes healthcare a simple line item.