To get the full RFL experience, watch the episode here at https://youtu.be/heLP86J-dOA

We unpack why Social Security isn’t disappearing, how Congress fixed it before, and which levers could shore it up again without cutting current checks. We also tackle the real pressure points for retirees: taxes on benefits and rising healthcare costs before and after 65.

• 1983 reforms as a playbook for modern fixes
• projected trust fund shortfall and practical levers to close it
• raising full retirement age and payroll tax impacts
• eliminating or lifting the wage cap as the largest fix
• taxation of Social Security benefits and Roth conversion planning
• Medicare Part B increases and coverage costs
• marketplace premium shocks for pre‑65 retirees
• budgeting $25k–$30k for pre‑Medicare healthcare
• strategies to manage taxable income and IRMAA
• mindset and planning tradeoffs for early retirement

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