In this episode Mark delves into the intricacies of ACA subsidies and the significant changes expected in 2026, including the return of the subsidy cliff and increases in Expected Premium Contribution levels based on household Federal Poverty Level guidelines. 

He also shares insights from the new book 'Tax Planning To and Through Early Retirement' by Cody Garrett, CFP and Sean Mullaney, CPA which challenges his current approach to Roth IRA conversions.

Mark also discusses his personal financial planning strategy for 2026 while offering listeners insight on how to navigate the evolving healthcare landscape.

The episode concludes with a light-hearted note about Halloween preparations.

Episode Links:

Mark’s Money Mind YouTube Channel

Beyond the Basics ACA Subsidy Reference Chart - Coverage Year 2025

Beyond the Basics ACA Subsidy Reference Chart - Coverage Year 2026

Tax Planning To and Through Early Retirement
by Cody Garrett, CFP and Sean Mullaney, CPA

Timestamps:

• 00:22 Life Update: Moving and Teaching





• 00:58 Roth IRA Conversions and ACA Subsidies





• 04:53 Upcoming Changes in ACA Subsidies





• 08:01 Federal Poverty Guidelines and Expected Premium Contributions Explained





• 18:34 Planning for 2026 and Beyond





• 25:58 Halloween Fun and Show Wrap-Up

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