Healthcare and long-term care costs are rising faster than inflation, and they are one of the biggest financial wildcards retirees face. In this conversation, Eric Kearney and Joseph Lanza break down what Medicare does not cover and why ignoring long-term care planning can derail retirement.Visit myincomeplan.com to download your Retirement Income Guide and start planning instead of worrying.Healthcare costs in retirement are rising at a pace that catches many retirees off guard, especially when long-term care enters the picture. In this episode of Farm Truck Financial, Eric Kearney, President of Retirement Wealth Advisors, sits down with Joseph Lanza to talk through one of the most overlooked risks in retirement planning.They discuss why Medicare premiums continue to rise faster than Social Security cost-of-living adjustments, why Medicare does not cover long-term care, and how healthcare inflation can quietly erode even well-funded retirement plans. With long-term care costs reaching $10,000 to $12,000 per month in many areas, avoidance is not a strategy.This conversation explains the difference between healthcare expenses before long-term care, the likelihood of experiencing a long-term care event, and why geographic relocation can dramatically change costs. Most importantly, it outlines how proper financial planning can stress-test these risks before they become real-life emergencies.If you are concerned about healthcare, inflation, or the possibility of long-term care affecting your retirement, this episode offers clarity, context, and practical planning insight.