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Julie M. is living the dream of many.
She retired pretty early at 57 after two decades in healthcare administration.
Now 58, shes navigating the challenging period betweenearly retirementand Social Security eligibility.
Hereshow shes making it work.
Health Insurance Bridge Strategy
A big consideration for soon-to-be retirees is health insurance.
The biggest challenge was healthcare coverage, she said.
Part-Time Consulting Income
Julie hasnt completely left the workforce.
I consult about 10 hours a week from home, bringing in around $2,000 monthly, she said.
Its enough to covermy property taxes and utilitieswithout touching my retirement accounts more than necessary.
Plus, it keeps my mind sharp.
Real Estate Income Stream
Smart property decisions are helping fund her pre-Social Security years as well.
When my mother moved to assisted living, I kept her house instead of selling it, she stated.
Strategic Roth Conversions
Julie is using these lower-income years strategically when it comes to her retirement accounts.
Living Location Arbitrage
One of her smartest moves was geographic.
Sometimes I miss the convenience and excitement of living near NYC, but my bank account doesnt.
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