1 rich Libsyn https://www.libsyn.com 90 600 🏈 Don’t fumble your retirement - get your financial game plan at http://bookachatwithjohn.net&amp;nbsp; Think Medicare is free once you hit 65? Not quite. If your income’s too high, there’s a hidden surcharge that can quietly shrink your Social Security check by thousands a year. It’s called IRMAA. And most people don’t see it coming. Let’s break down who’s impacted and how to avoid it. Here’s some of what we discuss in this episode: 💰 IRMAA is a Medicare penalty based on income—not assets 🔙 It looks 2 years backward to determine your premiums 💥 One-time income events like property sales or Roth conversions can trigger IRMA 🧾 You can appeal the penalty with a simple SSA-44 form 🎯 Strategies like QCDs and tax-aware conversions help reduce exposured Get in touch: Phone: 661-775-3704 Book an appointment with us: http://bookachatwithjohn.net &amp;nbsp; Get in touch with us: https://mearsmoney.com/ &amp;nbsp; Watch the Podcast on YouTube: https://bit.ly/3PmcOPM Check out John’s FREE Books: https://je9gekmc.pages.infusionsoft.net/ &amp;nbsp; The Red Zone Retirement Program http://mearsmoney.com/ <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/38201605/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/88AA3C/" height="90" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/item/38201605