Ep 174: 🎙️💰 You Saved Enough to Retire. So Why Can't You? #retirementincomeplanning

Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: A business owner may be financially ready to retire, but what happens when their spouse is a decade younger and still needs health insurance? In this episode, I'm joined by Andy Panko of Tenon Financial to discuss the costly and often complicated road to Medicare. We explore how employer-sponsored health insurance can mask the true cost of coverage, the challenges of retiring before 65, and the decisions retirees face when choosing between Medicare Advantage and traditional Medicare. We also dive into Social Security's earnings test, the uncertainty surrounding Roth conversion projections, and one of the biggest challenges in retirement that has little to do with numbers: having enough money to retire but still being afraid to stop working or spend what you've spent decades saving. 00:00 – Introduction 01:37 – Andy Panko Joins the Conversation 02:36 – Retiring Before 65: The Health Insurance Gap 09:00 – The Hidden Cost of Employer Health Insurance 13:26 – Social Security's Earnings Test Explained 18:17 – Medicare Advantage vs. Traditional Medicare 29:04 – Roth Conversions: Less Math, More Judgment 31:34 – Why Retirees Struggle to Stop Working and Spend Their Savings ‪@andypanko9282‬ ‪@RetirementPlanningEducation‬ ‪@9iCap‬ ‪@TheAmerCol1927‬ ‪@NAEAChannel‬ #retirementplanning #certifiedfinancialplanner #socialsecurity #medicareexpert #enrolledagents #taxexperts #pensions #annuities #rothconversions #irmaa NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2ei... Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-... Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idiscl...