Retire at 58: The Seven-Year Bridge, Priced Year by Year (2026 Rules)

📘 THE BOOK — The Last 10 Years Before Retirement (and the First 10 After) https://unclejohnfinancial.gumroad.com/l/last10years 🎟️ Use code UNCLEJOHN30 for 30% OFF 📒 BUDGET PLANNER PRO — run it on your own numbers: https://unclejohnfinancial.gumroad.com/l/BudgetPlannerPro (same code: UNCLEJOHN30) Retire at 58 and you're seven years short of Medicare. A popular plan says build five bridges while you work. We price the crossing for an invented couple (Rob and Julie, both 50), and we correct its Roth-conversion rate. Under the 2027 cliff the 22% bracket can't happen, and the real price is 22–31¢ per dollar. THE SEVEN-YEAR BRIDGE (58 → 65) Load limit: floor $29,863 · their limit $80,000 · cliff $86,560 1 Cash: one year of spending, $84,000 2 Brokerage: worked backwards, $21,191 a year 3 HSA: $106,028 at 58; bronze plans qualify 4 The 55 door: no 10%, but 20% withheld 5 Conversions: 24.7¢ on the dollar Seven years: $152,096 of credits kept, $28,776 of federal tax. ⏱️ CHAPTERS 0:00 – Retire at 58 1:20 – The load limit: ceiling and floor 2:39 – Plank 1: one year of cash 3:07 – Plank 2: the brokerage 4:17 – The book, the planner, the kit 5:14 – Plank 3: the HSA on a bronze plan 7:03 – Plank 4: the 55 door 9:05 – Plank 5: the conversion toll 11:41 – The crossing, year by year 13:57 – The far bank 👇 Which plank is missing from your bridge? Tell us in the comments. ────────────────────────────────── 📚 SOURCES — every page shown in this video ────────────────────────────────── https://docs.google.com/document/d/1IBtKrv9_prTlonA1Svt7tYF6JVahfUzPE_T723kv2Xk/edit?usp=sharing ────────────────────────────────── ⚠️ DISCLAIMER ────────────────────────────────── Education, not personal financial, tax or legal advice. Uncle John Financial is not a registered investment adviser, CPA or attorney. Rob and Julie are invented; your premiums, credits and taxes depend on your state, plan, age and income. Figures are 2026 federal rules and the 2027 marketplace table (state tax not included). If Congress changes the credits, the line moves. Check the linked pages or a qualified professional before you act. #retireearly #retireat58 #ACAsubsidy #HSA #rothconversion