Optimizing the Last Year of Work Before Retirement - Rusty (Part 2) | MHFI 317

April 28, 2026 01:06:57
Optimizing the Last Year of Work Before Retirement - Rusty (Part 2) | MHFI 317
Mile High FI Podcast
Optimizing the Last Year of Work Before Retirement - Rusty (Part 2) | MHFI 317

Apr 28 2026 | 01:06:57

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Show Notes

Doug continues his conversation with Rusty about how to optimize the final year before (early) retirement.  They discuss using debt responsibly, leveraging home equity & securities-backed lines of credit to maintain cash flow, navigating the complexities of post-retirement healthcare, and managing emotional & practical withdrawal strategies.

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**Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

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0:00 Introduction

2:32 Mortgages, refinancing, HELOCs

9:18 Securities-backed line of credit

18:38 Healthcare after leaving work

24:23 ACA subsidy cliff

32:05 Withdrawal stress & strategies

40:03 Bucket strategy & a retirement paycheck 48:08 Donating to charity

55:06 Funding a 529 & legacy giving

1:02:45 Soundcheck – Beer

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