Hi, Friends!

I have been thinking this week about all the things we plan for carefully and the one thing most of us leave on the back burner until it cannot be ignored any longer.

Health care in retirement.

Not because people do not care about it. They do. But because it can feel too big, too uncertain, and too far away to plan around with any confidence. So the plan becomes a sentence: Medicare will take care of it. And the conversation moves on.

Both articles this week come with a practical worksheet inside. Download it inside

Warmly,
Mike Bridges

Health care costs don't pause when a paycheck does, and most of us were never handed a real plan for that gap. This week, I want to share what building that plan actually looks like — the timing, the numbers, and the decisions worth making before you need them.

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I've noticed something about the charges that hit our accounts every month — most of them started for a good reason, and then just kept renewing without anyone checking back in. This week, I want to walk through how to make every recurring charge earn its spot again, not by cutting everything, just by asking whether it still pulls its weight.

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