4. Healthcare Costs Are Becoming the Real Retirement Killer
You can plan for groceries, housing, and hobbies — but you cannot predict healthcare. And in the U.S. healthcare system, one illness can wipe out decades of retirement savings.
In 2025:
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Health insurance premiums keep rising
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Prescription costs fluctuate unpredictably
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Long-term care is shockingly expensive (often $5,000–$12,000/month)
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Medicare doesn’t cover everything people assume it does
One of the most dangerous traps for people over 40 is believing they’ll worry about healthcare “later.” But later comes fast — and it comes with bills.
Avoid the trap by:
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Planning for long-term care now
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Comparing different health insurance options yearly
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Creating a dedicated “health buffer” savings fund
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Staying on top of preventive care
Your future self is going to need this.
