I would say health care costs are the number one reason people don't retire early. It's, hey, how am I going to be able to afford health care in addition to travel and paying kids college and a remodel? Yeah, I'm just going to keep working. Now, the reality is you're cheating yourself by saying that because I have clients that pay $50 a month for health care. And I also have clients that spend $1,000 a month in health care. And it depends on your plan. And if you plan well for it, you can minimize cost tremendously. I'm going to do a case study for you so you can see a real client that I have who retired at 60 and was worrying about health care costs until 65. And I say, you don't need to worry about it. You should have planned for it. Let me show you how if you

pull from the right account, it can significantly reduce your expenses. And if you're interested

in retiring early, then I please invite you to subscribe. If you're watching on YouTube,

rate the show. If you are listening on the podcast app and you find this helpful in any capacity,

I love what I get to do, which is make videos and podcasts around health care, tax strategy, withdrawal, long-term care, insurance, estate planning.

This is to me what allows people to feel confident to retire early, which is all I'm trying to do here is build that confident.

So by the time you retire, you don't have any head trash of, I should have considered this. And why didn't I do that one thing?

So healthcare, the reason I said, I think it's the number one reason. People are hesitant to

retire early is because I put out a video 10 months ago on my YouTube channel called health

insurance for an early retirement, everything you need to know.

And 170,000 of you, watch that one video and you're like, wow, this really helped clarify my

options, meaning do I go to Cobra?

Do I instead decide to a common thing is go to the marketplace?

Should I look for private insurance?

What about do I stick with my company? What about if I make my spouse go work so that we have health care and maybe they don't love their job, but at least we're getting health care benefits? Like there's a lot of different options. Today is not me going through each option. Today is a case study so you can better understand the importance of good savings. And so I'm going to be going through this. It's going to be a little bit more technical, a little bit more of the financial weeds, if I must say. So the example I'm going to start with before I kind of hit you with it. And I'll do this often for any of my videos is, and there's a true story. I went to a doctor. It's not a long story, but it's a true story.

And this was months ago, and I said, hey, Doc, what you just said there, it sounded great. I think you think it sounded great. And I told him, I have no idea what you just said. So please try explaining it again. And he said, okay, so he starts explaining to me the lab that the pills are made in that he's going to give me. He said, respectfully, Doc, I don't care about the

lap. I don't want to be respectfully, Doc, I don't care

about the lab. I don't want to be mean here, but I don't care about the lab. Just tell me why I need this pill or why I don't need this pill. And I'm not going to take it blindly. I want to know why I'm taking the pill. And the doctor said, okay, so he starts explaining that. And he's kind of hard. like I still wasn't totally getting it, but then eventually he said something and it clicked.

And I'm like, thank you.

I'm now good.

He's like, no, I have more to tell. explaining that. And he was kind of hard. Like I still wasn't totally getting it, but then eventually

he said something and it clicked. And I'm like, thank you. I'm now good. He's like, no, I have more to tell you. I'm like, I don't need more. So why do I tell you this? Today is going to be a little bit of the lab. I'm going to be going a little deeper on certain things such as Medicare, right, Irma surcharges. We're going to talk about health care subsidies. And so some of you might be like,

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