If you’re 55 or older and feel financially behind heading into 2026, this episode may completely change how you think about retirement.

Most people assume retirement readiness is about how much you’ve saved. But after working with hundreds of pre-retirees, I’ve found that it’s not a number problem—it’s a sequence problem.

In this episode, I break down why being in your late 50s or early 60s with a lower balance can actually give you more leverage than someone with twice the money but worse timing. You’ll learn how low-income years, tax sequencing, and intentional withdrawals can help you flatten your tax curve, reduce future IRS exposure, and avoid Medicare IRMAA surprises.

We’ll cover:

Why feeling “behind” can actually be a timing advantage
How MAGI suppression can unlock ACA subsidies worth $15,000–$25,000 per year
Strategic IRA spend-downs that prevent future RMD explosions
How Social Security can be used as a tax-planning tool—not just a benefit
Why redirecting contributions and eliminating debt before retirement creates freedom
The real catch-up move that has nothing to do with saving more

This is the foundation of my Red Zone Retirement Planning process—helping you catch up by design, not by stress or guesswork.

If you’re in the window before the system stops giving you options, this is the episode you don’t want to miss.

How much you need to retire quiz: https://bit.ly/Adam-OlsonInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.