The Most Expensive Mistake Retirees Sleepwalk Into Before 65 скачать в хорошем качестве

The Most Expensive Mistake Retirees Sleepwalk Into Before 65

The Retirement Tax Trap Nobody Talks About: Roth Conversions vs. ACA Subsidies If you're retiring before 65, you're probably counting on ACA health insurance subsidies to keep your premiums affordable. But did you know that the very strategy that could save you a fortune in future taxes — Roth conversions — could cost you those subsidies? And in 2026, the subsidy cliff is back. One dollar over the limit and you could lose everything. In this video, I break down: → Why Roth conversions and ACA subsidies are in direct conflict → What the 2026 subsidy cliff means for your retirement income planning → The partial conversion strategy that lets you do both → Why ages 65-75 are your golden window for tax savings → What Required Minimum Distributions could cost you if you don't plan ahead This is not financial advice — I'm not a financial advisor. But I am someone who believes you should understand the rules of the game before you sit down at the table. If you're within five years of retirement, this is the most important tax planning conversation you're not having. 📌 Resources mentioned: Healthcare.gov ACA Marketplace: https://www.healthcare.gov IRS RMD FAQ: https://www.irs.gov/retirement-plans/... 💬 Have a question or a situation you'd like me to explore? Drop it in the comments — your comment might become the next video. 🔔 Subscribe for more retirement design strategies that go beyond "save more money":    / @designingretirement   #retirement #rothconversion #ACA #healthinsurance #retirementplanning #taxplanning #retireearly #medicare #RMD #financialplanning #retirementtips #subsidycliff #rothira #MAGI #retirementincome