You've done it—you hit your retirement number. 🎉 Now what? In this episode, Nic and I walk through how to shift from saving to spending with intention: building a paycheck from your portfolio, deciding when (and how) to use Roth dollars, and coordinating taxes and healthcare so you don't accidentally create avoidable costs.

We also talk through a real-world success story and the four biggest takeaways I want you to leave with—without spoiling the details. If you're wondering how to turn a lifetime of saving into a confident, sustainable retirement income plan, press play.

## **Episode Highlights**

- [0:36] Welcome back + why "I hit my number" is actually the beginning of a new plan

- [3:10] The framework: from accumulation to a deliberate income strategy (paycheck, taxes, timing)

- [5:21] The hidden gotcha: healthcare costs and Medicare IRMAA—and why they belong in your income plan

- [6:58] Get your team aligned: coordinating with your CPA and other pros before you push the big buttons

- [7:35] Funding big purchases (cars, travel, home projects) without derailing the plan

- [12:17] A client case study: building Roth strength early to create flexibility later (and calm around RMDs at 73)

- [14:13] The four takeaways I don't want you to miss

## **Links & Resources**

- Request your worksheet or ask a question: **[email protected]**

- Topics mentioned: Roth conversions, Required Minimum Distributions (RMDs at age 73), Medicare IRMAA considerations

If you enjoyed this conversation, please **follow, rate, and review** the podcast—and share this episode with a friend who just hit their number. Thanks for listening and for being coachable!

📬 Questions?

Email: [email protected]

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🛑 Disclaimer:

Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.