How FIRE Plans Miss the Medicare IRMAA Surcharge

Most FIRE calculators ignore Medicare IRMAA — the income-related monthly adjustment amount that can add thousands per year to your healthcare costs. In this episode, Lucas and Luna break down the 2026 IRMAA thresholds, show how a single Roth conversion can trigger two years of surcharges, and explain why early retirees need to model this cost starting at age 63. Specific numbers and planning strategies included. #FIRE #Medicare #IRMAA #EarlyRetirement #RetirementPlanning #HealthcareCosts #TaxPlanning #RothConversion #FexingoBusiness #BusinessPodcast #Finance #PersonalFinance #Retirement #MedicareSurcharge #MAGI #SequenceOfReturns #Budgeting #Insurance Keep every episode free: buymeacoffee.com/fexingo