Doug continues his conversation with Rusty about how to optimize the final year before (early) retirement. They discuss using debt responsibly, leveraging home equity & securities-backed lines of credit to maintain cash flow, navigating the complexities of post-retirement healthcare, and managing emotional & practical withdrawal strategies.

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Links

Email Rusty: rustyfromco@gmail.com
Rusty on MHFI episode 270
Fit Rich Life episode 99
Elizabeth on MHFI episode 312
Fritz Gilbert on MFHI episode 315
Kevin Sebesta on MHFI episode 302
Mark Trautman on MHFI episode 313
Pancreatic Cancer Action Network
MHFI Facebook group
Doug’s site
Check out Producer Chris’s blog: Epic Financial Journey

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**Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

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Email the show: doug@milehighfi.com

0:00 Introduction

2:32 Mortgages, refinancing, HELOCs

9:18 Securities-backed line of credit

18:38 Healthcare after leaving work

24:23 ACA subsidy cliff

32:05 Withdrawal stress & strategies

40:03 Bucket strategy & a retirement paycheck 48:08 Donating to charity

55:06 Funding a 529 & legacy giving

1:02:45 Soundcheck – Beer

Optimizing the Last Year of Work Before Retirement – Rusty (Part 2) | MHFI 317