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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

Resources for this episode:

What Issues Should I Consider Before I Retire? https://perspective6group.com/wp-content/uploads/2025/04/What-Issues-Should-I-Consider-Before-I-Retire-2024-1.pdf

Other Resources

Our website: https://perspective6group.com/

Phone: (952) 225-0333

Email: perspective6info@focusfinancial.com

Schedule your no-cost consultation: https://perspective6group.com/start-here/

Essential Financial Guides

5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/

Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/

ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/

Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/

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