Peak 65, the Social Security Bridge, and Why 64% Now Pick Annuities

Brief Description

Jae (Education Fellow, Alliance for Lifetime Income) walks through PRIP 2025: Peak 65 demographics, inflation/volatility, and the Social Security “bridge” strategy. The punchline: plan off net, not gross—healthcare is Expense 1A. Clear takeaways on annuities vs. stocks and withdrawal pacing.

00:00:00 Welcome + what PRIP is and why it matters
00:01:00 Money’s naming problem: annuities boiled down to function
00:03:00 Peak 65 headlines: inflation, volatility, Social Security worries
00:05:00 Knowledge gaps + uncertainty = delayed decisions
00:06:00 Net vs. gross income: healthcare costs as Expense 1A
00:09:00 TINA is gone: rates, volatility, and “stocks for show, bonds for dough”
00:11:00 The 64% windfall stat: annuities vs. stocks and “why not now?”
00:16:00 Social Security “bridge” = hedging longevity risk (spousal angle, COLA)
00:22:00 The Four M’s: Mortality, Morbidity, Markets, Macro reality
00:27:00 Slow withdrawals (“conversion rate”) + wrap and next steps

In This Video

The One Big Beautiful Bill Act could upend healthcare for millions. In this must-hear conversation, Jae Oh, CFP® and Medicare expert, unpacks how Medicaid work rules, Medicare Advantage cost shifts, and ACA premium spikes could impact retirees, workers, and families.In This Video00:00:00 Medicaid Ejections Are Happening Now00:01:15 Should Retirees Worry About Medicare Changes?00:03:00 New Medicaid Work Requirements Explained00:04:30 Why Everyone on Medicaid Must Verify Monthly00:05:45 Medicare Savings Program Disruption Risks00:07:10 Could Part B Costs Rise? The Budget Battle Impact00:08:45 ACA Marketplace Chaos and Premium Uncertainty00:11:00 Enhanced APTC Ending? What It Means for You00:13:00 Employer Open Enrollment: Don’t Just “Check the Box”00:20:00 COBRA vs ACA After Layoffs: Planning Under Pressure🚨 16 million could lose coverage. Medicaid work rules, Medicare cuts, ACA premium hikes—all in one bill. Jae Oh breaks it all down so you don’t get blindsided. Essential for retirees, workers, and HR pros. Watch here: [link]#Medicare #ACA #RetirementPlanning #Medicaid #HealthCareReform #JaeOh #FinancialPlanning #openenrollment ✅ Subscribe to Jae's Corner on Substack: https://bit.ly/3u8TR8s✅ Free Medicare Guidance: https://bit.ly/4d3xszG✅ Let's connect: https://linktr.ee/jaeohcfp✅ Free Prescription Discount Card: https://bit.ly/3vv2gpi✅ 2nd Free Prescription Discount Card: https://bit.ly/3NWIBp8✅ Free Term Life Insurance Quote: https://bit.ly/37xaYJL✅ Your private appointment https://calendly.com/justjae/ ✅Link to Free ACA Quoting Tool: https://bit.ly/FreeACATool📖 Book website: http://www.maximizeyourmedicare.com🐦Twitter: https://twitter.com/JaeOhCFP🐦Twitter: https://twitter.com/MaxYourMedicare✅email info at gh2benefits.com#personalfinance #finance #talk— Maximize Your Medicare by Jae OhAll insurance products sold through this site are processed through the licensed entity/agent: Jae Oh, NPN 15996497. We do not offer every plan available in your area. Currently we represent approximately 15 organizations which offer over 100 products nationwide. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

CassGPT Returns! Medigap & Medicaid Updates

Brief Description
Cass is back—and just in time. In this extended episode of Jae’s Corner: Now It Makes Sense, Jae and Cass break down the unintended costs of Virginia’s Medigap birthday rule, the unraveling of Medicaid eligibility post-pandemic, and the looming threat to enhanced ACA subsidies (APTC). If you’re in Medicare, Medicaid, or in between, this is the episode that pulls back the curtain on policy spin and shows you the financial reality. Get ready to decode the system, avoid premium traps, and learn how to plan before the rules change beneath your feet.

In This Video00:00:00 The Return of Cass & What’s Coming

00:01:10 Medigap Birthday Rule in Virginia Explained

00:02:15 The Pricing Trap: How Carriers Adjust

00:03:50 Who the Birthday Rule Hurts Most

00:05:20 Unintended Consequences for Medically Vulnerable

00:08:15 Medicaid Expansion vs. Eligibility Unwinding

00:10:30 How to Stay on Medicaid: Monthly Action Steps

00:13:10 WARN Notices and the Link to Healthcare Coverage

00:16:30 Real-Life Examples: COBRA vs. ACA Planning

00:23:45 Enhanced APTC Threat & Financial Planning Shifts