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Old 08-16-2014, 02:14 PM   #21
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OP, you are my new hero! Still, if I were in your shoes, I'd maybe look into a basic health insurance plan under the ACA. At the low levels of income you are probably generating, you'd qualify for subsidies. At $40k a year of income, I pay about $170 a month for health insurance.
I assure you, I do not qualify for subsidies. My assets and income are too high.

I also have no desire to encourage a bad idea by participating in it. Thank you for the information though.
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Old 08-16-2014, 08:00 PM   #22
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OP, you are my new hero! Still, if I were in your shoes, I'd maybe look into a basic health insurance plan under the ACA. At the low levels of income you are probably generating, you'd qualify for subsidies.
Are you getting a feeling that OP is looking for advice? I'm not.

Ha
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Old 08-16-2014, 08:33 PM   #23
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Are you getting a feeling that OP is looking for advice? I'm not.

Ha
I'm not sure if you mean that I am coming across as arrogant or that I know what I'm doing. I am certainly open to good advice.
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Old 08-16-2014, 09:11 PM   #24
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I actually hadn't really planned to retire at any certain time. I was miles ahead of other folks my age since I didn't have any debt. I was literally doing a budget when it occurred to me. That was in 2008 when the economy went downhill quickly and I wasn't making much at the time. The expense of going to work wasn't really worth it. I was working as a waitress and my tips had dropped off significantly.



That is something that I'd like to point out. I never made a lot of money. I worked average everyday jobs. In a lot of ways I saved my way into retirement rather than earned my way into retirement. Since I retired I have received an inheritance that has really helped, but I had accomplished actual retirement on my own before that.



Something else that was significant was finally calling it quits with my ex-husband. It is hard to make headway when someone is trying to drag you in the other direction. I'd say that your spouse may be the single biggest factor on whether you can succeed and retire early.....or succeed in life period.

The title of your thread is 8 years retired. But above you say you figured out in 2008 the secret for you was to avoid debt and that led to your eventual ability to retire. That doesn't sound like 8 years but perhaps I'm misunderstanding.

Muir


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