Retirement answers
Direct answers to the retirement questions we hear most, with the current numbers.
How do I cover health insurance before 65?The gap between retiring and Medicare is the single biggest obstacle to retiring early, and the rules got harder in 2026.When do I sign up for Medicare, and what is IRMAA?Miss the enrollment window and you can pay a penalty for life. Your income today sets your premium two years from now.How do I stay inside the 12% tax bracket?A married couple can have more income than most people think before leaving the 12% bracket. Knowing the exact number is what makes the plan work.Which accounts should I draw from first?The order you withdraw in changes your lifetime tax bill, your Medicare premiums, and how long the money lasts.