Everyone talks about saving for travel and hobbies in retirement, but the real wallet-buster? Healthcare. The average 65-year-old needs about $172,500 just for medical bills—not even counting long-term care! The trick is to start planning early: add healthcare to your retirement budget, max out your HSA, and get smart about Medicare. Review your plan every year and use all those extra benefits. Trust me, your future self will thank you! #Health #BodyHealth #RetirementPlanning