Here’s a retirement money hack: If you make too much, Medicare can hit you with a surprise surcharge called IRMAA, which can more than triple your monthly premiums. The catch? It’s based on your income from two years ago! To avoid this, keep an eye on your taxable income and consider moves like Roth conversions or using cash value life insurance. If you get hit with IRMAA after a big life change (like retiring), you can appeal. Don’t let this hidden fee eat up your nest egg! #Business #MakeMoney #retirementtips