Some types of income can quietly push your Medicare premiums higher—sometimes by hundreds of dollars a year. In this episode, Marty explains how IRMAA (Income Related Monthly Adjustment Amount) works, what income sources count toward it, and how certain investment choices could help you stay under the limit.

You’ll learn:

Which common investments increase your IRMAA

Why even reinvested income can raise your Medicare costs

How fixed indexed annuities and MYGAs may offer IRMAA-friendly growth

What the exclusion ratio is and how it helps reduce taxable income from annuities

When Roth conversions inside annuities might make sense

If you're close to retirement—or already navigating Medicare—this episode can help you make smarter decisions about income and taxes in retirement.