Dan and Katelyn break down how healthcare access can impact retirement decisions and how high-earning federal employees can still utilize Roth strategies despite income limits.
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Dan discusses what federal retirees should consider before moving to rural areas, focusing on healthcare access and stability. He explains how the new Rural Health Transformation Fund may impact local care, why availability varies by location, and how to evaluate hospitals, Medicare options, and backup care plans. He also highlights the importance of preparing for potential service reductions and building a plan for accessing care when it matters most.
Katelyn explains how backdoor Roth IRA strategies work for high-income federal employees who exceed income limits for direct contributions. She walks through the step-by-step process, key tax rules like the pro-rata rule, and the importance of proper filing. She also discusses how backdoor Roth contributions fit alongside TSP savings and when this strategy makes sense—or doesn’t—based on long-term tax planning goals.
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