by Lance Roberts
My articles My offerMy siteAbout meMy videosMy books
Follow on:TwitterSeeking AlphaFacebookAmazon
| Are you paying MORE than necessary for Medicare in 2026? The IRMAA (Income-Related Monthly Adjustment Amount) could be adding hundreds of dollars a year to your Medicare premiums — but there's a legal way to fight back. Richard Rosso breaks down everything you need to know about the 2026 IRMAA thresholds, how to appeal, and the income strategies that could save you thousands in retirement. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:19 - Go Texas Day & BBQ Perfume 3:16 - IRMAA Pain & Income in Retirement 7:18 - How IRMAA Tiers Work 9:38 - Ways to Manage IRMAA 13:23 - What Kind of Income Counts (Modified AGI) 18:07 - Having Money in ROTH (Diversification of Accounts) 20:22 - Planning Ahead Before Taking SS 22:59 - IRMAA Pain Early is Better 26:32 - Don't Let an IRMAA Bracket Go to Waste 29:08 - Considering Taxation & Attitude 34:21 - IRMAA Tiers & Financial Colonoscopy 38:03 - YouTube Poll & NYC Pizza Rats 41:19 - Can COBRA be used for IRMAA? 43:06 - Why Roth Money is Better 45:09 - Required Minimum Distributions & Charitable Contributions 47:51 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dO3QPhf0rEs?feature=share ------- Watch our previous show, "Software Stocks: Steal or Zero" here: https://youtube.com/live/6DavZVDY7OQ -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Medicare2026 #IRMAAAppeal #RetirementPlanning #MedicarePremiums #SocialSecurityBenefits |
You Might Also Like
1-19-26 The Metric that Matters – The Michael Green Interview
2026-01-15
What really matters for markets in 2026—and why are most forecasts focused on the wrong metrics?
Lance Roberts visits with Simplify Portfolio Manager & Chief Investment Strategist, Michael Green, CFA, to examine the structural changes inside today’s markets that are reshaping price discovery, volatility, and risk. From the rise of passive investing and ETF dominance to the growing disconnect between fundamentals and flows, the mechanics of how markets trade have changed dramatically.
#MarketOutlook2026 #PassiveInvesting #ETFMarketStructure #FinancialNihilism
#MarketRisk #MichaelGreen
1-14-26 Why “Just Hold Forever” Isn’t a Good Strategy
2026-01-14
The market isn’t about to crash, but it is pressing against a rare, long-term resistance zone at historically high valuations. That raises the risk of lower future returns and periodic corrections.
In this Short video, Lance Roberts discussed why ignoring valuation and mean reversion can leave long-term investors short of their goals.
📺Full episode:
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
Fannie And Freddie To The Rescue
2026-01-12
President Trump is using Fannie Mae and Freddie Mac to help make housing more affordable. According to a TruthSocial post, the President claims Fannie and Freddie have a combined $200 billion in cash. Accordingly: I am instructing my Representatives (Fannie and Freddie) to buy $200 billion dollars In mortgage bonds. The hope is that increased …
Ray Dalio Says Sell: But Not Yet
2025-11-25
Ray Dalio is considered by many investment professionals to be a market maven. This is because of the wild success of his hedge fund, Bridgewater, with assets under management of $136 billion, as well as several best-selling economics/finance books he has written. In recent times, Ray Dalio has repeatedly emphasized that markets are in a …
11-21-25 Roth Conversion Strategy: What Actually Works
2025-11-21
Not all Roth conversions are created equal — and new research shows a clear winner.
Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period:
• Staying in a traditional IRA/401(k) and taking RMDs
• A one-time Roth conversion
• A gradual, multi-year conversion strategy
We examine how taxes, RMDs, longevity, and investment returns affect the outcome — and why a one-time conversion often comes out ahead if you can handle the upfront tax bill.
0:19 – The Sexiest Word in Finance
4:44 – The Roth Account Smile
7:29 – Roth Applications for Different Stages of Life
10:17 – Tax Hierarchy Considerations
14:09 – The Craft of Retirement Income & Withdrawals
19:07 – Roth as a Legacy
11-19-25 Risk-Range Report: We Are Still In a Bull Market
2025-11-19
$SPY / $QQQ pullback is not the start of a bear market.
In this short video, I look at the Risk-Range data confirming the broader bull trend and explain why this dip is an opportunity, not a danger.
📺Full episode:
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
Miran Says Rates Are Too High: Politics Or Reality?
2025-10-01
Stephen Miran, Donald Trump’s recent addition to the Fed, joined the Federal Reserve the day before the last meeting. At that meeting, he was the only dissenting vote, supporting a 50-basis-point rate cut. All other members voted for a 25-basis-point cut. Additionally, Miran is likely the FOMC participant who thinks the Fed Funds rate should …
9-26-25 College Planning 2025 – FAFSA, Scholarships, & Smart Funding Tips
2025-09-26
College planning season is here — and the last quarter of 2025 brings critical deadlines for students and parents. Jonathan Penn and Sarah Buenger break down what you need to know about FAFSA, scholarships, and smart funding strategies for higher education.
🎓 Topics Covered:
Applications: Why applying to multiple in-state schools boosts negotiating power.
FAFSA 2025–26: Key deadlines, why it’s required (even if you don’t qualify for aid), and how it impacts merit-based scholarships.
Appeal Process: How a simple email to admissions could mean thousands in additional aid.
Scholarship Season: Deadlines, organization tips, and tools to stay ahead.
Policy Updates: Tuition freezes in Texas & Indiana, Supreme Court rulings on admissions, and new LOWER student and parent loan caps.
Tags: Featured,newsletter
1 pings