The day your earned income stops, a whole stack of things disappears at once. Some you can rebuild in a year. A few close permanently, and the only time to deal with them is while you still have a paycheck coming in. This episode sorts twelve of them into what you can rebuild and what's gone for good.

• Which retirement-account and insurance doors close for good the day your earned income stops
• Why a market loss you'd shrug off while working can turn permanent once you retire, and the income floor that prevents it
• The 2026 ACA subsidy cliff (around $62,600 single / $84,600 for a couple) and why your bridge-year income decides which side you land on

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=frLNdk0Seu8

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

At a dealership, announcing cash can make you the least profitable customer in the room, which means less movement on the price. This episode breaks down where dealers actually make their money, the finance-then-prepay move that captures the discount without the debt, and the real opportunity cost of draining your capital to pay cash once you're retired.

• Why the finance office, not the showroom floor, is where the dealer makes the most money
• How to use dealer financing to capture a better price, then pay the loan off in week one
• The simple rate spread that tells you when to pay cash and when to keep your money working

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=AlI_WCvBFkQ

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

There are actually three crossovers worth knowing about. The first happens when portfolio growth exceeds your contributions. The second when it exceeds your earned income. The third, the original 1992 Vicki Robin definition, when income from your assets covers your monthly expenses. That last one is the only crossover that survives a flat market year.

• Where each of the three crossovers actually sits in dollars (and the rough 20x rule of thumb)
• Why the original crossover point got quietly redefined between 1992 and 2016
• The four moves to make once you cross over, especially the RMD trap that hits at 73

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=zWGsGkDtu3o

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.