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🔗 https://go.boldin.com/reflectionsandr... personalized affiliate link Discover what your financial future could look like with Boldin. 🔎 The retirement planning tool that helped me gain clarity (Disclosure: I may receive a small commission if you use my link. I only share tools I personally use and trust.) Video links mentioned: 1) News Diet: • Doom Scrolling Is Ruining Retirement – Her... 2) Social Security Special Rule: • Social Security Early? Earn More with Spec... In this unscripted "Reflections and Real Talk" podcast, Judy shares her initial thoughts and priorities during her first week of retirement. She discusses the considerations around Social Security and her personal financial planning approach. This video offers insights into her retirement journey, providing a real-life perspective on the first year of retirement and planning for future retirement income. Well… it finally happened. I retired. In today’s unscripted episode of Reflections and Real Talk, I’m sharing what my first week of retirement has actually been like — the good, the awkward, and the honest truth about this big life transition at 62. Everyone asks: • What are you doing all day? • Are you bored? • What’s on your bucket list? • Did you claim Social Security? • What about health insurance? So today, I’m answering all of it. I also share: • How I’m handling health insurance through the ACA (Obamacare) • What the subsidy cliff means in 2026 • Why I haven’t claimed Social Security yet • The earnings limit special rule • How I’m thinking about Medicare and IRMAA And yes — I talk about my recent trip to Amsterdam, Copenhagen, and Stockholm and why public transportation made it so relaxing. Retirement isn’t one big vacation. It’s a shift. A mindset change. A daily recalibration. If you’re in your 50s or 60s — or thinking about retiring soon — this conversation is for you. Let me know in the comments: 👉 What was YOUR first week of retirement like? 👉 What are you most worried about? 👉 What surprised you? Thanks so much for being here. 💛 — Judy #Retirement #RetiredAt62 #RetirementPlanning #SocialSecurity #ACA #Over60Lifestyle #LifeAfterWork #WomenInRetirement #MedicarePlanning #HealthyAging Chapters: 00:00 Unscripted Retirement Reflections: What’s the Plan Now? 00:42 Priority #1: Rewiring Sleep After Early-Morning Work Life 01:51 Priority #2: Getting Back to the Gym (and Avoiding Injury) 03:57 Priority #3: More Time for Fun: Family, Friends, Movies & Exercise 04:50 Priority #4: Protecting Your Peace: Escaping the News Rabbit Hole 06:14 Priority #5: Decluttering Life: Email Scam 06:59 Priority #6: Eating Better & Food Prep 08:58 Priority #7: Slowing Down: Walking More, Patience, Gratitude 10:47 Priority #8: Travel Dreams 11:48 Healthcare, IRMAA 13:48 Social Security 🧮 Try Boldin free for 14 days Boldin lets you model: • Working one more year vs retiring now • Market downturns • Healthcare cost increases • Spending changes • Social Security timing For deeper analysis, scenario comparisons, and advanced planning tools, you can also upgrade to PlannerPlus using the same link. 🔔 Like, Subscribe & Turn On Notifications: If this conversation helps you think more clearly about retirement, please support the channel by liking the video, subscribing, and sharing it with someone who keeps saying, “I’m just not sure yet.” 🔗 https://get.descript.com/1e9gwm50d6kn 📌 This is a link to Descript, the editing software I started using. If you view some of my earlier videos you will see the improvement. I don't recommend any products or services I don't personally use. I love Descript's features including text editing, stock footage, AI assistant and more. It has significantly improved the quality of my videos and saved me hundreds of hours of editing. Paid link, offered at no additional cost to you 📌 Affiliate Disclosure: The Boldin link above is an affiliate link. If you choose to sign up, it helps support this channel at no additional cost to you. I only share tools I truly believe help people make better retirement decisions. 🚫 Judy’s Safety Reminder! I don’t DM, ask you to text me, or push financial products in the comments. 📩 No WhatsApp. 💸 No crypto. 💼 No stock tips. If you see that stuff — it’s a scam. Block & report. 👊 Thanks for being part of this smart, supportive community! 💛 Legal Disclaimer: The "Reflections and Real Talk..." content is solely for informational and entertainment purposes. The discussions, opinions, and personal experiences expressed are not meant to serve as professional financial, therapeutic, medical, or legal advice. Listeners should seek advice from qualified professionals for guidance specific to their situation. The creators of "Reflections and Real Talk..." do not accept any liability for actions taken in reliance on the content of this podcast. Privacy is respected by changing all names.