Forced Into Retirement Early – Now What?
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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
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