Health Insurance Before Medicare
“My wife is so stressed at her job but she can’t quit because of health insurance.” Oh man, if I had a nickel every time I was told something like this, I’d have a million nickels! 🙂 Look, as much as I didn’t like Obama as President, and certainly don’t like Nancy...
Jim and Pam’s Investing Plan For Retirement
It's Jim and Pam from cold (Northern State) here. We hope all is well with you and your family. After speaking with you in late August, we both decided to retire in early October. It's amazing how much less stressful life has become. It's great not...
I Was Making 6 Figures & I QUIT, at 58!
(From a regulard reader/viewer in California) Hi Josh, I quit my COJ on September 1 after 31 years at my 6 figure job + bonus. We live in California, I'm 58 and my husband is 61. We are paying $1,700 a month for cobra until the end of the year. The plan is to live...
Big Health Insurance Subsidies are Over
By Richard Kay, New Jersey Insurance brokerIs the deep subsidy over for healthcare in 2022? It looks like it. In 2021 besides the regular subsidy everyone was getting on a sliding scale based on income there was also deeper subsidy if you collected...
My Experience With Medicare Advantage
----------------------------------------- A viewer sent me this email in regards to his own experience with Medicare Advantage plans. I am not endorsing these plans or not endorsing. I’m completely agnostic. However, for those of you who were thinking MA plans are...
I Get Paid For This???
Be Like Jimmy! One of the benefits of my line of work is that I see, with my own very eyes, what works and what doesn't when it comes to retirement planning. I've been doing this since 1998 and I've worked with THOUSANDS of people over the course of my career. It...
Just Reporting Back Regarding My Retirement
(A client sends this in and with his permission I am sharing it here) I feel so free! It's like my life is now my own! I am so grateful to you for the two zoom meetings regarding my retirement finances as well as your videos on youtube that I watch...
Prepare to Live to 120 Says Ric Edelman. Really???
Ric Edelman is one of the good guys in financial planning/investment management. He comes across a bit arrogant in some regards, but that doesn't bother me so much given what he has done for average Americans in their financial planning. However, Ric has drank the...
Refinancing a Reverse Mortgage to Increase Emergency Funds
(From an email I received, published with permission) Two years ago, you tweaked my interest in Reverse Mortgages. I carried a conventional mortgage into retirement with a $175,000 balance. I could make retirement work, but I didn’t like the (lack of) robustness...
How Mark & Jane Retired at 58 And Got Health Insurance
Hey Josh, We had our meeting in May where we discussed our financial plan. One of the last things we discussed was health insurance (not something that I had planned on asking about but you brought it up). My wife, Jane, was on COBRA after retiring from her...