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The Christian Retirement ShowAuthor: Eric Schrum Language: en Genres: Business, Christianity, Investing, Religion & Spirituality Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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The Medicare Trap That Costs Retirees $5,000 a Year (And Nobody Warns You About It)
Episode 41
Tuesday, 19 May, 2026
Most retirees budget carefully for everything — except the Medicare bill that quietly adds $5,000 or more to their annual expenses. It's called IRMAA, and if you have a substantial retirement portfolio, there's a good chance it's coming for you. In this episode, I break down exactly what IRMAA is, why it catches so many high-income retirees completely off guard, and — most importantly — four strategies you can use right now to reduce or eliminate it before you retire. 📅 Book a Free 30-Minute Retirement Readiness Call — For investors with $1M+ within 10 years of retirement → https://calendly.com/meeterics/free-10-minute-intro-call In this video: ✅ What IRMAA actually is (and why nobody warns you about it) ✅ The 5 IRMAA surcharge tiers — real 2025 dollar amounts ✅ The two-year lookback rule that blindsides new retirees ✅ Why a single high-income year can cost you for years after ✅ How Roth conversions can dramatically reduce your IRMAA exposure ✅ The little-known appeal process if you've already been hit ✅ How to plan your retirement income around the IRMAA thresholds The content Provided is for general information and educational purposes only and should not be considered a recommendation of any particular strategy investment product or investing advice of any kind. Content is not intended to be and should not be construed as legal or tax advice and or a legal opinion. Please consult a financial professional for your specific situation. Investing involves risks, including the loss of the entire principle. Past performance does not guarantee future results. The views and opinions expressed here are of the author and do not necessarily reflect the opinion of Schrum Private Wealth Management, LLC. Investment Advisory services offered through Schrum Private Wealth Management, LLC. An SEC registered investment advisor.
