Forced Into Retirement Early – Now What?

By Perspective 6 Group | April 24, 2025

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A listener in his early 60s thought he had five more years of work ahead, until a surprise layoff changed everything. In this episode, Matt and Jacob unpack a listener question about how to move forward after being forced into retirement earlier than expected. They walk through key considerations for anyone in a similar situation: how to handle severance and stock options, when (or if) to pay off a mortgage, how to approach early healthcare coverage before Medicare kicks in, and whether finding part-time work or consulting could be part of the solution.

Here’s some of what we discuss in this episode:

💰 Managing severance and stock option decisions

🏡 Should you pay off the mortgage now?

📉 Health insurance before Medicare- what to know

💼 Part-time work and its impact on your plan

🧠 Why purpose is your first planning question

0:00 – Intro

0:59 – Listener question

3:50 – Early retirement checklist

6:20 – Consider health insurance

7:06 – Keeping tax levels low

12:00 – Gig work and consulting: pros and cons