Should I Retire Early to Help with Grandkids?

December 31, 2025

Here’s what we discuss in this episode:

❤️ Emotions vs. Planning: When the heart and logic collide

🧾 Social Security: Permanent impact of early claims

🏥 Healthcare Considerations: Will you lose benefits based on your decision?

🧭 Finding a Middle Ground: Looking for flexible, win-win options

Some of the hardest retirement decisions aren’t about money, they’re about family. In this episode, Rob tackles a question many grandparents are quietly wrestling with: should you retire early to help care for your grandkids? The conversation explores how emotions, finances, and long-term independence intersect. He also shares the #1 question you need to be asking yourself before you make any decisions.


Go inside the episode:

0:00 – Intro

0:36 – Listener Question: Should I Retire Early?

3:43 – Impact on Social Security Income

5:31 – Healthcare Costs & Other Financial Sacrifices

8:11 – Middle Ground Options

9:21 – Biggest Question to Ask Yourself



Helpful Resources:


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