Will your Medicare premium jump because of what you withdrew two years ago? 😳 This week's mailbag tackles the IRMAA surcharge trap, plus three more real questions from our listeners.

In this episode:

✅ The Medicare premium increase most retirees don't see coming — and how IRMAA can add hundreds a month for high earners

✅ Should you claim Social Security at 62? The math married couples can't afford to skip

✅ The backdoor Roth pro-rata rule that can quietly wipe out your tax savings

✅ Building an emergency fund AND investing at the same time — yes, you can do both

Got a question for the show? Email [email protected] — you could win a free GRFTFS tumbler as our Question of the Week!