Healthcare Before 65: How To Save Thousands Every Year Before Medicare Begins

Video Description

Interested in a custom strategy to retire early? → https://www.rootfinancial.com/start-here/ Healthcare costs are one of the biggest fears stopping people from retiring early—but it doesn't have to be that way. In this video, I walk through a client case study showing how we helped save over $77,000 in healthcare costs before Medicare kicked in. I explain how the proper withdrawal strategy, brokerage accounts, and income planning can dramatically reduce your premiums and unlock valuable subsidies. If you're worried about affording health coverage in your 50s or early 60s, this video is for you. I'm here to break down complex strategies into clear, actionable steps that empower confident early retirement planning. Subscribe for more insights on healthcare, taxes, and retirement freedom. –––––––––––––––––––––––––––––– Time Stamp 00:00 - Introduction: The #1 Reason People Delay Retirement 02:12 - Key Financial Misconceptions and Emotional Roadblocks 03:13 - The Healthcare “Lab” Explained: Why It’s Complicated 04:10 - Client Example: $60K Retirement Income Target 06:50 - IRA Withdrawal Impact on Subsidies 07:58 - The Superpower of Brokerage Accounts 09:40 - Capital Gains Tax Advantages and Harvesting 12:05 - Strategic Balance: Roth Conversions vs. Subsidies 13:15 - Case Study: Gifting, Travel, and Strategic Withdrawals 15:55 - Multi-Phase Planning: Best of All Retirement Worlds 16:50 - Sample: $77,000 Saved on Healthcare 17:25 - Roth Conversion vs. Healthcare Savings: Which is Better? 18:00 - When to Hire an Advisor and When You Don’t Need One –––––––––––––––––––––––––––––– PODCAST - https://earlyretirementpodcast.com/ INSTAGRAM - https://www.instagram.com/earlyretirementari/ LINKEDIN - https://www.linkedin.com/in/aritaublieb/ What video topic would you like to see discussed in a future video? Ari Taublieb, CFP®, MBA, is the Vice President of Root Financial Partners (Fiduciary) and host of the Early Retirement Podcast. –––––––––––––––––––––––––––––– 📣 Are you taking advantage of tax planning before 2026? Most people hoping to retire early know they're leaving money on the table but don't know how to fix it. 👉 Subscribe to our channel and press the bell icon. ––––––––––––––––––––––––––––– ⚠️ "DISCLAIMER:⚠️ Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements. Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.