Having work with hundreds of early retirees one-on-one so that they can retire with confidence,

I've learned the shocking reason people work past 60.

And it's not just, well, you know, they didn't save enough or they didn't think about their purpose.

Number one, it's health care.

Number two, it's the Social Security timing.

And number three, it's the tax traps that are associated with

withdrawal strategies. And that's what I'm going to go over in today's episode. This is a fun one.

This is going to be jam pack with just little hints and tips and hacks and tricks that I've

gathered from working with clients that hopefully you all resonate with. Now, are things constantly

changing? Yes, that's why I say,

I don't do financial plans. I do planning because health care is changing and subsidies are going

to be shifted based off of income and how you withdraw that income. And if you don't have a

superhero account and you're pulling all your money from a 401k, you're going to be paying

way more in taxes because that's taxed

as ordinary income versus capital gains. So the reason I bring that up, and I'm already getting

into it because you can tell I get so excited, is there are people that want to retire early so

bad and they feel they're on track, meaning they feel they've saved enough where if they were

technically 65, they'd have enough money to last from 65 to 95,

but they're 57 or 58 today and they're worried I'm going to need to pay for health care.

So I feel like I should keep working to stock some more extra money away into this superhero account,

which is going to help me keep my income low so I can either get health care subsidies or do

Roth conversions or pay less on Social Security in terms of taxes from, let's call it,

...