Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Healthcare Gap That Sinks Early Retirement Plans
Episode 11 of The Financial Freedom Podcast. Lucas and Luna tackle the single biggest wildcard in early retirement planning: healthcare costs between quitting your job and Medicare eligibility. They walk through real numbers from a 45-year-old couple in Oregon who modeled a $320,000 healthcare line item into their FI plan — and how subsidies, state exchanges, and a 'lean FIRE vs. fat FIRE' trade-off change the math. Plus: why the ACA subsidy cliff matters more than your withdrawal rate, and one listener's surprising experience with a health sharing ministry that didn't…
The skinny
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