There's a sentence that has quietly wrecked more retirement plans than any bad stock pick:
"Once I hit 65, Medicare takes care of it."
Medicare is genuinely one of the best things about being old in America. It is also not what most people think it is.
It doesn't cover your teeth. It doesn't cover your ears. It doesn't cover your glasses. It won't drive you to the appointment. And the single biggest expense of your entire later life, someone helping you bathe, dress and eat, is explicitly not covered.
Medicare is health insurance. It was never designed to be an old-age insurance policy. Those are different products, and only one of them comes in the mail at 65.
Today: everything Medicare leaves on your side of the table, what it actually costs, and how to build the second budget nobody tells you to build.