Group 1 - The article discusses essential steps for individuals planning to retire in 2026, emphasizing the importance of preparation before making retirement official [1] - It highlights the necessity of having a healthcare plan, especially for those approaching retirement age, as health issues are more likely to arise [3][4] - The article outlines options for healthcare coverage, including Medicare for those turning 65, and alternatives like the Health Insurance Marketplace or COBRA for those retiring before age 65 [5][6] Group 2 - The article stresses the importance of creating a monthly budget to ensure that anticipated income can cover expenses during retirement [7][9] - It challenges the common assumption that costs will significantly decrease in retirement, urging individuals to plan their budgets accordingly [8]