There are a few ways to pay for medical expenses in retirement other than out of your pocket. This includes government programs such as Medicare, contributions you make to a Health Savings Account (HSA) before you turn 65, savings accounts, such as Roth or traditional IRAs, and long-term care and disability insurance.

According to Fidelity Investments' 2022 Retiree Healthcare Cost Estimate, the average American couple estimates the total cost of healthcare in retirement to be $41,000; however, in actuality, the average 65-year-old couple retiring this year can expect to spend an average of $315,000 on healthcare expenses throughout ...

To find a financial advisor, get recommendations from people you trust, ask for references, and interview possible candidates. You may prefer to hire a fee-based advisor, such as a fee-only financial planner, instead of one who receives commissions in return for selling or recommending certain financial products.

You can retire early if you have a disability that makes work too hard or even impossible. As with mental health issues, the guidelines and process are just the same as for physical ones. Your disability needs to make you permanently incapable of doing your current job or any other job like it.