Retirement Income School™ Blog
IRMAA: The Medicare Surcharge That Can Shrink Your Retirement Income Jul 30, 2025

If you’re approaching or already in retirement, there’s a hidden cost most people don’t find out about until it’s already eating away at their income: IRMAA.

IRMAA stands for Income-Related Monthl...

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Roth Conversions for IRA Millionaires: Avoid These 6 RMD Tax Traps Jul 23, 2025

If you’ve saved over $1 million in a traditional IRA, congratulations — that’s no small feat.

But there’s a problem most people don’t see coming: the IRS already has a plan for your money. And it ...

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Roth Conversion Window: Why 2025–2028 Is the Time to Act Jul 16, 2025

If you’ve been thinking about a Roth conversion, the years 2025 through 2028 may be the most important window you’ll ever get — especially if you have a large IRA or 401(k).

Why? Because the One B...

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[Book Review] Die with Zero: A Retirement Plan That Prioritizes Living Jul 09, 2025

Most people spend their lives saving, saving, saving — only to reach retirement afraid to spend a dollar. But what if that mindset is backward?

In the book Die with Zero, Bill Perkins offers a tot...

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The 8 Most Important Questions to Ask About Retirement (at Any Age) Jul 02, 2025

If you’re in your 30s, 40s, or 50s and starting to think ahead — or you’re just a few years from retirement — here’s a reality check: most people spend more time planning their next vacation than t...

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Insurance Agent or Financial Advisor: Who Should You Trust? Jun 25, 2025

When it comes to planning your retirement, the person giving you advice matters just as much as the advice itself. But here’s what most people don’t realize: not all financial professionals are the...

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