Many retirees are shocked when Medicare costs far more than expected—and it often traces back to income from years earlier. In this episode, Brooks breaks down how Medicare premiums are tied to a two-year income lookback, why peak earning years can trigger higher monthly charges, and how IRMA brackets quietly raise costs for high earners, inheritances, and final-year bonuses. The conversation walks through how these premiums hit Social Security checks, why most people don’t see it coming, and how timing retirement decisions can influence what you pay each month.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!