This is the episode I know a lot of you have been waiting for. How on earth do I plan for health care?

And I will joke and I'll say I'm the meanest financial advisor. Now, I'm not actually, okay, but I don't want you to run the risk of running out. And I also don't want you mad at me when you're 85 with $5 million going, hey, what the heck? I told you I didn't want to die with this amount of money. so why didn't you tell me I could have spent more?

And I'm not saying you'd pass away at that age.

But I just want to make sure you don't retire too early and I also... this amount of money. So why didn't you tell me I could have spent more? And I'm not saying you'd

pass away at that age. But I just want to make sure you don't retire too early. And I also want to make sure you don't retire too late and go, wow, I have plenty of money, but what good is it now? So a common question I receive is how much is health care going to cost me? And I don't let people off the hook and this is where I'll joke and I'll say I'm mean because a lot of people go,

yeah, I think I want to retire. I don't let people off the hook, and this is where I'll joke and I'll say I'm mean,

because a lot of people go, yeah, I think I want to retire.

I don't know exactly when, but how am I going to pay for health care?

What is it, $12 million a month?

I'm like, no, it is a cost.

Yes, it can be significant, but it also can be very low if you're strategic,

and don't let health care be the reason you don't retire early. It's another expense just like anything. And the beautiful part is you get to be creative based on your income. And guys, I have clients

right now. I have one client that spends about $100 a month on monthly premiums. And I have another

client that spends about $1,500 a month. And sometimes this client, the $1,500 a month one is happier. And you're like,

well, how could that be the case? Well, they're doing another tax strategy, whether it be a conversion

or harvesting or something else that generates them more than that difference that makes them go,

well, I'm happy to do that. I'd way rather do this strategy to save me 15 to 20,000 a

year. Others go, no, I'm retiring at 52. And so conversions and all this stuff sounds good, but I want to

prioritize getting this subsidy from the government. So I have an episode on YouTube where I bring on

Lindia, who's the healthcare expert I use with my clients. So if you want to listen to it, you can see it here. A lot of people resonated with it, but that's going to be more focused on, okay, what health care policies exist for me. Should I look at Cobra? Should I go to the exchange? Today is not that. Today's me giving you hard numbers of, hey, here's the reality of how much health care will cost so that you can plan for it. And then I encourage you to take

these numbers, if you have a... Today's me giving you hard numbers of, hey, here's the reality of how much health care will cost so that you can plan for it.

And then I encourage you to take these numbers, if you haven't already, and use the academy tool.

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