Retiring at 55 with $2M Is on Easy Mode in 2026

📥 FREE DOWNLOAD — The 2026 Retirement Bridge Strategy Three rule changes, the Roth conversion flowchart, and the pre-retirement checklist Tim uses with clients: 👉 https://chatham-wealth-management.kit... 📅 BOOK A 15-MINUTE BRIDGE CALL WITH TIM No pitch. Just a clear look at your bridge years: 👉 https://calendar.app.google/Ddnr3fTwe... Two people retire at 55 with the same $2 million. Same spending plan. Same investments. Same returns. One ends up with $1.4 million at 90. The other goes broke at 79. The only thing different about them is how their $2 million is split between three account types — and the 2026 rule changes (TCJA, SECURE 2.0, IRMAA) that turned one split into a goldmine and the other into a trap. Tim Gardner walks through the bridge years, the tax window most retirees never use, the IRMAA cliff at 65, and the RMD reckoning at 73 — decade by decade — to show why composition beats total every time. 00:00 Two People, Same $2M, Completely Different Retirements 01:04 The 2026 Rule Changes Nobody Put in Your 401(k) Brochure 01:55 The Bridge Years: Tax-Free Living Before the IRS Wakes Up 05:37 The Medicare Bill Nobody Warned Dave About 07:05 When the IRS Forces the Door Open (Whether You're Ready or Not) 08:40 Composition Beats Total Every Time