Healthcare may be your biggest retirement wildcard, and this episode unpacks what many retirees overlook. Joshua Barbin breaks down the real costs of Medicare, long‑term care, pharmaceutical expenses, and supplemental coverage so listeners can better understand the financial impact of aging. He also explains why enrollment timing matters, how HSAs can offer unique tax advantages, and what proactive planning steps can help reduce future surprises. Whether you're approaching 65 or already retired, this conversation sheds light on the practical realities of managing healthcare in retirement.

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