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Forced Into Retirement Early – Now What?
A listener in his early 60s thought he had five more years of work ahead, until a surprise layoff changed everything. In this episode, Matt and Jacob unpack a listener question about how to move forward after being forced into retirement earlier than expected. They walk through key considerations for anyone in a similar situation: how to handle severance and stock options, when (or if) to pay off a mortgage, how to approach early healthcare coverage before Medicare kicks in, and whether finding part-time work or consulting could be part of the solution.
Here’s some of what we discuss in this episode:
Managing severance and stock option decisions
Should you pay off the mortgage now?
Health insurance before Medicare- what to know
Part-time work and its impact on your plan
Why purpose is your first planning question
0:00 – Intro
0:59 – Listener question
3:50 – Early retirement checklist
6:20 – Consider health insurance
7:06 – Keeping tax levels low
12:00 – Gig work and consulting: pros and cons
Resources for this episode:
What Issues Should I Consider Before I Retire? https://perspective6group.com/wp-content/uploads/2025/04/What-Issues-Should-I-Consider-Before-I-Retire-2024-1.pdf
Other Resources
Our website: https://perspective6group.com/
Phone: (952) 225-0333
Email: [email protected]
Schedule your no-cost consultation: https://perspective6group.com/start-here/
Essential Financial Guides
5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/
Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/
ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/
Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/
Stay Connected
Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA
LinkedIn: https://www.linkedin.com/company/perspective-6-group/
Instagram: https://www.instagram.com/medtechwealthadvisor
Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX
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By Matthew Nelson
5
88 ratings
A listener in his early 60s thought he had five more years of work ahead, until a surprise layoff changed everything. In this episode, Matt and Jacob unpack a listener question about how to move forward after being forced into retirement earlier than expected. They walk through key considerations for anyone in a similar situation: how to handle severance and stock options, when (or if) to pay off a mortgage, how to approach early healthcare coverage before Medicare kicks in, and whether finding part-time work or consulting could be part of the solution.
Here’s some of what we discuss in this episode:
Managing severance and stock option decisions
Should you pay off the mortgage now?
Health insurance before Medicare- what to know
Part-time work and its impact on your plan
Why purpose is your first planning question
0:00 – Intro
0:59 – Listener question
3:50 – Early retirement checklist
6:20 – Consider health insurance
7:06 – Keeping tax levels low
12:00 – Gig work and consulting: pros and cons
Resources for this episode:
What Issues Should I Consider Before I Retire? https://perspective6group.com/wp-content/uploads/2025/04/What-Issues-Should-I-Consider-Before-I-Retire-2024-1.pdf
Other Resources
Our website: https://perspective6group.com/
Phone: (952) 225-0333
Email: [email protected]
Schedule your no-cost consultation: https://perspective6group.com/start-here/
Essential Financial Guides
5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/
Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/
ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/
Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/
Stay Connected
Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA
LinkedIn: https://www.linkedin.com/company/perspective-6-group/
Instagram: https://www.instagram.com/medtechwealthadvisor
Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX