Want to pay WAY less for health insurance in early retirement? This follow-up to my previous very popular video (link below in watch next) shows how smart retirees legally slash ACA premiums by strategically managing their income. You'll learn how MAGI impacts subsidies, and see real scenarios using Healthcare.gov. Don’t overpay for healthcare—plan smarter and keep more of your money!

Here is a link to the youtube version of this podcast so you can see the actual demos using the ACA estimator tool on healthcare.gov: https://youtu.be/NXEaYYjQKdI

And here is the link to the youtube video this episode was a follow up to (or listen to my podcast titled "The $12,900 Health Insurance Loophole for Early Retirees!" : https://youtu.be/lxdNnUpdZ-Y

📊 Resources:

• ACA Cost Estimator to run it for yourself: https://www.healthcare.gov/see-plans/#/ 2025
• Federal Poverty Level Guidelines: https://aspe.hhs.gov/sites/default/files/documents/dd73d4f00d8a819d10b2fdb70d254f7b/detailed-guidelines-2025.pdf

❤️ Like, Subscribe, Follow, Leave a Review or Comment and Share if this episode helped you!

DISCLAIMER: This content is for educational purposes only and is based upon my personal experience and research. Before making any major retirement decisions, please consult with qualified financial, tax, investment and legal professionals.

#earlyretirement #retireearly #healthinsurance #retirementplanning #financialplanning

Is working longer really worth it?

In this episode, I break down 3 retirement stats and insights that could completely change the way you think about work, wealth, and health in retirement. If you're planning for early retirement, these numbers might just shift your whole retirement strategy.

Here's what you'll learn:

• Why 63.9 years is a critical number for your retirement health

• How the average person works 90,000 hours in their lifetime and reclaiming some of that time

• What research says about retirees who never spend their savings

If you're in your 40s, 50s, or early 60s, and you're serious about retirement planning, this video is for you.

👇 Comment Below: What would you do if work became optional tomorrow?

📊 Resources Mentioned: • [World Health Organization (WHO) – Healthy Life Expectancy (HALE) at Birth] (https://data.who.int/countries/840) • [• National Bureau Of Economic Research - Consumption and Saving After Retirement](https://www.nber.org/system/files/working_papers/w29826/w29826.pdf) • [Institute for Fiscal Studies Report](https://ifs.org.uk/sites/default/files/output_url_files/BN236.pdf)

❤️ Like, Subscribe, and Share if this helped! 🎧 Listen on the go: *Early Retirement Roadmap Podcast* Available wherever you get your podcasts!

📘 Join us: [Facebook Page](https://www.facebook.com/profile.php?id=61573959929092)

🌐 Visit: [mikeupland.com](https://mikeupland.com/)

☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com)

Are you wondering why it feels like everyone else is retiring early — and you're not? In this episode of Early Retirement Roadmap, we uncover the real reasons people delay early retirement, even when they have enough saved. Learn how to avoid the "one more year syndrome," stop chasing unrealistic retirement numbers, and discover 5 proven strategies to retire sooner than you think.

If you want to know how much you really need to retire, how to build financial confidence, and how to create a realistic retirement plan, this episode is for you.

We cover the average 401(k) balance by age, how much guaranteed income like Social Security can help, why stress-testing your retirement plan matters, and how redefining retirement could be your key to freedom.

🔔 If you found this episode helpful, please follow or subscribe & leave a review, or support me with a cup of coffee here.

Episodes to listen to mentioned in this episode:

🎙️Episode 3, How Much Do You REALLY Need to Retire

🎙️Episode 6, The One Retirement Mistake that Could RUIN YOU

🎥 When you’re not on the go, check out my Early Retirement Roadmap YouTube channel for more insights and inspiration.

🌐 Visit mikeupland.com – Connect with me & explore retirement resources including all my videos and blog articles.