Medicare doesn’t have to be scary, but it can be expensive if you get it wrong. In this episode of Farm Truck Financial, Eric Kearney sits down with Southwest Florida Medicare specialist Carmella Rose to break down the decisions you face at 60, 65, and 75 so you can avoid costly gaps, penalties, and bad coverage.Ready to integrate Medicare into your overall retirement plan? Call Eric Kearney and the team at Retirement Wealth Advisors to schedule your Farm Fresh Second Opinion and make sure your income, tax, and healthcare plans are working together, not against each other.Medicare isn’t just a healthcare decision – it’s a retirement decision. Eric and Carmella talk through the “Decade of Decisions” from age 60 to 70, where Social Security timing, healthcare choices, and income planning all affect each other. From annual election periods to initial enrollment windows, working past 65, prescription drug plan changes, and the difference between government Medicare and private plans, you’ll learn why “just doing nothing” can be one of the most expensive choices of all.You’ll also hear Carmella’s story as a Cape Coral native, FGCU grad, mom, and local Medicare expert who has spent more than a decade helping Southwest Florida retirees sort through misinformation and sales pitches to find the coverage that truly fits their health, budget, and long-term plan. Eric explains why he and his team partner with specialists like Carmella, estate planning attorneys, and other professionals to help clients see the full picture – not just their investments in isolation.If you’re 60 and feeling that first “retirement is real” wake-up call, 64 and getting bombarded with Medicare mail, or already on Medicare but haven’t reviewed your plan in years, this ride is for you. Learn why the government gives you “guaranteed issue” at 65, what happens if you wait too long or pick the wrong plan, how medical underwriting can lock you out of better coverage later, and why December 7 can be one of the most important dates on your calendar each year.Whether you’re still working with group coverage, considering a switch to Medicare, or trying to decide between Medigap and private sector alternatives, Eric and Carmella explain why you shouldn’t rely on a 1-800 number or a TV commercial to guide one of the most important decisions in your retirement.