Have you heard of IRMAA? IRMAA can be an unwelcome surprise if you aren’t expecting her.  On this episode of Retirement Answer Man, you’ll hear what to expect from IRMAA and your Medicare costs. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [2:14] Recent feedback [6:57] What IRMAA surcharges are IN THE NEWS [14:55] Structured protection ETF [25:06] What the details show LISTENER QUESTIONS [30:23] Should we keep our life insurance policy? [34:42] Will the lack of a bachelor's degree hurt a retirement planning practice? [36:02] Where to get the materials for the Certified Retirement Counselor curriculum ROCK LIFE [37:51] Cultivating a growth mindset through curiosity [40:58] How to cultivate curiosity TODAY’S SMART SPRINT SEGMENT [50:55] Practice asking a dumb question Resources Mentioned In This Episode International Foundation for Retirement Education Form SSA-44 Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center