health insurance is confusing and if you've been with your company for a very long time or you've

always had a company providing health insurance it becomes scary when you retire early and you're

wondering how much is it going to cost how do i think through that that's exactly what we went over

last week in my episode with lindia where we talked about how much is it going to cost what are

your different options how to think through that today is part two of a two part series where we're now bringing on cole one of the co-founders of

move health to absolutely take that same dive but to go even deeper specifically regarding

roth conversions and how those connect to ACA planning and so what I want to even kind of preface today's episode with

is a lot of you're going, what on earth did you just say? So what I mean by that, a lot of you

probably know, but for those that don't, when I even first started this podcast, I noticed there

was a lot of people leaving money on the table. And so it's very rare that people need to work with us. And you guys will laugh, but a lot of advisors send me emails. Like, hey, would you stop saying in that on your podcast? It's kind of hurting my business. I'm like, I don't care. It just depends what stage of life you're in and what experience you're looking for when it comes to an advisor. So I'm one of the weird advisors that say everyone doesn't need one. It just depends. Now, when you retire early, you have an opportunity. You can say, oh my gosh, this is so awesome. My income's really low because I no longer have my wages, so not paying a lot in taxes. And maybe I've got this brokerage account. I call it the superhero that you can live off of. Okay, that's really cool. And some people just stop there. And I'll say, don't stop there.

That's when I want you to actually take it up a notch and say, well, what if we could intentionally pay a little bit in taxes today to avoid paying a lot in the future? And then as all that money's grown, it's growing tax free. And people go, oh, that's pretty cool. That's the premise of a Roth conversion. And when you retire early, it can make a lot of sense to do this. But what we always have to go

and understand is, okay, if we do that, That's the premise of a Roth conversion. And when you retire early, it can make a lot of sense to do this.

But what we always have to go and understand is, okay, if we do that, well, doesn't that

change our income?

Yes, it does.

When you do this Roth conversion, it increases your income.

And if you do that too much or even too little, it messes around with your health insurance

subsidies. So for a lot of you,

you have the opportunity to prioritize one or the other. You can say, yep, if my, for example,

health insurance is $500 a month, I could, you're telling me, intentionally keep my income low

and maybe get $450 a month from the government, meaning I'm only paying 50, you absolutely can. And that's

something we want to consider and almost weigh that, not even almost, we want to weigh that

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