Barbara Ginty

So if we took what you're netting now and then took out the mortgage payment, that would be about the right number that you would be comfortable on in your retirement.

So if we took what you're netting now and then took out the mortgage payment, that would be about the right number that you would be comfortable on in your retirement.

Yes. Okay, perfect. And then the one other thing that I think is really important to consider in retirement is medical, right? And so are you both fully covered with medical at your jobs or one of you is covering medical?

Yes. Okay, perfect. And then the one other thing that I think is really important to consider in retirement is medical, right? And so are you both fully covered with medical at your jobs or one of you is covering medical?

Yes. Okay, perfect. And then the one other thing that I think is really important to consider in retirement is medical, right? And so are you both fully covered with medical at your jobs or one of you is covering medical?

So at 65, you'll be eligible for Medicare and that is the retiree healthcare system. If you retire with medical, that would become your secondary insurance. If not, you might want to get gap coverage. And so what I would say is the number I would use for what you would need, you know, ballpark,

So at 65, you'll be eligible for Medicare and that is the retiree healthcare system. If you retire with medical, that would become your secondary insurance. If not, you might want to get gap coverage. And so what I would say is the number I would use for what you would need, you know, ballpark,

So at 65, you'll be eligible for Medicare and that is the retiree healthcare system. If you retire with medical, that would become your secondary insurance. If not, you might want to get gap coverage. And so what I would say is the number I would use for what you would need, you know, ballpark,

would be what you're currently netting, subtracting out the mortgage, but then maybe adding a little bit more to buffer for potentially a higher cost for medical since it's currently covered. And you will have some expenses with medical. And I think a lot of people underestimate what that might be in retirement.

would be what you're currently netting, subtracting out the mortgage, but then maybe adding a little bit more to buffer for potentially a higher cost for medical since it's currently covered. And you will have some expenses with medical. And I think a lot of people underestimate what that might be in retirement.

would be what you're currently netting, subtracting out the mortgage, but then maybe adding a little bit more to buffer for potentially a higher cost for medical since it's currently covered. And you will have some expenses with medical. And I think a lot of people underestimate what that might be in retirement.

And so what I always say to people is in retirement, no one's really ever upset if they have extra money. It's only if you have less than what you expect it.

And so what I always say to people is in retirement, no one's really ever upset if they have extra money. It's only if you have less than what you expect it.

And so what I always say to people is in retirement, no one's really ever upset if they have extra money. It's only if you have less than what you expect it.

Yes. So there's actually a great government benefit. It's either the Office of the Aging or the Office for the Aging in your local community. And it is a government benefit. run agency and you can sit down with them and they'll do healthcare counseling and they'll go over what the various costs are going to be and what they also see locally, right?

Yes. So there's actually a great government benefit. It's either the Office of the Aging or the Office for the Aging in your local community. And it is a government benefit. run agency and you can sit down with them and they'll do healthcare counseling and they'll go over what the various costs are going to be and what they also see locally, right?

Yes. So there's actually a great government benefit. It's either the Office of the Aging or the Office for the Aging in your local community. And it is a government benefit. run agency and you can sit down with them and they'll do healthcare counseling and they'll go over what the various costs are going to be and what they also see locally, right?

And what plans are working well locally in terms of like gap coverage. And then you also have the choice. There's a big difference between Medicare and Medicare Advantage. Medicare is going to be your traditional Medicare where you have part A, part B, and then your prescription coverage.

And what plans are working well locally in terms of like gap coverage. And then you also have the choice. There's a big difference between Medicare and Medicare Advantage. Medicare is going to be your traditional Medicare where you have part A, part B, and then your prescription coverage.

And what plans are working well locally in terms of like gap coverage. And then you also have the choice. There's a big difference between Medicare and Medicare Advantage. Medicare is going to be your traditional Medicare where you have part A, part B, and then your prescription coverage.