Quick Read A 61-year-old woman can retire at 62 on $1.6M if her portfolio hits $1.55M and her MAGI stays below the ACA subsidy cliff. One traditional IRA withdrawal during her bridge years could trigger catastrophic subsidy clawback and derail her entire timeline. Her January 2027 walk-away date survives only if she avoids the two most expensive mistakes: portfolio drawdown and MAGI miscalculation. If you're focused on picking the right stocks and ETFs you may be missing the bigger picture: retire ...