I cannot retire early because of health care. I hear that all the time and you're about to shift

your thinking on it because I'm going to give you an example that's going to show you how you can

actually minimize your costs not just this year in 2025, but 2026 when many of you guys are

most worried because of the legislation changes. So if you're unaware, you might hear a friend or

neighbor or potential early retiree going,

can you believe it? Subsidies are going away. They're not going away. Okay. Premium tax credits are still

there. The difference is if you're above 400% of the federal poverty line, you will not get those

subsidies. So I'm going to give you an example to understand this in more detail today,

and hopefully you don't worry as much when it comes to health care. Now, what I'm not saying is that I have some magic pill that you can take that all of a sudden reduces your health care costs. What I'm saying is you can plan for it intentionally, and it can be way less than you think. Now, I do have clients that are spending $20,000 a year in health care costs.

And I also have clients that are spending $20,000 a year in health care costs,

and I also have clients that are spending a few hundred bucks a month, and they have great health

care coverage and millions of dollars, and they're withdrawing income with complete intention,

and they're in a good spot to retire early and not run out of money. So that's where I'm going to

go over in today's episode. My name is Ari. I'm the chief

growth officer here at Root Financial. I love what I get to do, which is help people retire early with confidence. I'm also a CFP, a certified financial planner, which is not the reason you should listen to me. I often say, how many doctors would you never let touch your body? Probably a lot of now I'm grateful I'm grateful for doctors, because they put my hips back together so I could play soccer. But, and I love playing soccer, I play four or five days a week. I truly love it, just like I like making content for all of you guys. But I also know there's lots of CFPs that I would never let manage a dime of my money, so I hope you listen and resonate with the style that I like to

communicate in. So with that being said, let's start hopping in. I have an example queued up that

I'm going to go over, whether you are listening on the podcast app or watching on YouTube. If the

content I make resonates, please like this and share it with those that you want to retire early

with. So an easy way to look at this, and a good reminder,

that subsidies are not going away in 2026. What's changing is if your income goes over 400%

of the federal poverty line, you'll lose the subsidy entirely. So those advanced premium tax

credits that people talk about, you just need to manage your income sources wisely. And I'm going to

...