Part Time Job Lang Sa Retirement...May Catch Pala!

Working in retirement can impact your Social Security, Medicare (IRMAA), taxes, and Roth conversions. Before taking a part-time job, understand the hidden costs that could reduce your income. In this video, we break down what really happens when you earn income during retirement. Many people think a part-time job is a simple way to stay busy and earn extra money — but there are hidden effects that most people don’t realize. We talk about: • Social Security earnings limit and withheld benefits • How IRMAA can increase your Medicare premiums • Why your Social Security can become taxable • How part-time income affects Roth conversions • The real “cost” of earning extra income in retirement This isn’t about avoiding work — it’s about making informed decisions so you can keep more of your money and avoid surprises. We’re not financial advisors — we’re just sharing what we’re learning as we prepare for retirement. #RetirementPlanning #SocialSecurity #Medicare #IRMAA #RothConversion #RetirementIncome #FinancialFreedom #RetirementTips #PersonalFinance #EarlyRetirement #TaxPlanning #RetirementLife #MoneyInRetirement TIMESTAMPS 00:00 - Part Time Job in Retirement? Why people do it. 02:00 - What is the Social Security Earnings Test? 05:06 - IRMAA and the sneaky 2-year Medicare lookback 06:58 - When Social Security itself becomes taxable 07:58 - The Roth conversion window you might be giving up 09:09 - ACA subsidies and early retirement 10:40 - Our takeaway — it's about intention Check out our channel for more videos : https://www.youtube.com/channel/UCwZEfU5vkYMM8_ft_xwaz3g for business inquiries: haven.eileen@gmail.com