How to Avoid the Medicare Surcharge Surprise in Early Retirement

Episode 41 of The Financial Freedom Podcast with Fexingo tackles the Income-Related Monthly Adjustment Amount (IRMAA) — the hidden Medicare surcharge that can blindside early retirees who use Roth conversions or realize capital gains. Lucas and Luna walk through how IRMAA works, the income thresholds for 2026, and a concrete case: a 63-year-old retiree who triggered a $5,000 annual surcharge by converting too much in one year. They share strategies to plan around the two-year lookback, use partial conversions, and coordinate with tax brackets. No clickbait, just a specific trap and how to sidestep it. #EarlyRetirement #Medicare #IRMAA #RothConversion #TaxPlanning #RetirementIncome #HealthcareCosts #FIRE #FinancialIndependence #RetireEarly #SequenceOfReturns #TaxTorpedo #MedicareSurcharge #RetirementPlanning #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo