GRFTFS: The IRMAA Trap

Will your Medicare premium jump because of what you withdrew two years ago? 😳 This week's mailbag tackles the IRMAA surcharge trap, plus three more real questions from our listeners. In this episode: ✅ The Medicare premium increase most retirees don't see coming — and how IRMAA can add hundreds a month for high earners ✅ Should you claim Social Security at 62? The math married couples can't afford to skip ✅ The backdoor Roth pro-rata rule that can quietly wipe out your tax savings ✅ Building an emergency fund AND investing at the same time — yes, you can do both Got a question for the show? Email [email protected] — you could win a free GRFTFS tumbler as our Question of the Week!