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Mastering Retirement Journal

Dodging the Medicare Premium Penalty

image of a medicare card

2-minute read

Income-Related Monthly Adjustment Amounts (IRMAA) are considered to be the thorn in your side when receiving Medicare benefits. In it’s basic form, IRMAA dictates your Medicare premiums depending on your modified adjusted gross income two years prior. Put another way, the more you make, the more you pay, but with a lag. Many people get quite frustrated knowing they’re paying an increased premium for the same coverage; let alone the additional cost it brings to their financial situation.
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What We’re Reading – September and October Edition

rows of books shelves in a room with tan floors

1-minute read

WSJ – The Bond Market’s Message
• Former member of the FOMC, Kevin Warsh, published this article explaining recent movements in the bond market. The article delves into the significance of the 10-year Treasury note, which sets interest rates that affect households directly. Walsh compares the impact of interest set by the Treasury versus shorter-term interest rates set by the Fed.

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Retirement Assets Go Up and Credit Scores Go Down

780 credit score

3-minute read

You’ve worked hard, saved well, and planned everything out. You’re finally in retirement. Everything is on the up. All except one thing. Your credit score.

When you get to and go through retirement, you’re way less likely to buy a new car, you’ve paid off your mortgage, and wouldn’t dare carry a balance on your credit card. All of these are considered good things, but they can decrease your credit score.Understanding why comes down to the five major credit score factors listed below (from most to least impactful):

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