Hi ER members,
After finding this site, I found myself bouncing around from forum to forum reading all kinds of fun, interesting and educational information. I posted a few comments here and there still haven't properly introduce myself. How rude. So here I am, with a belated intro and a little background.
I'll be 43 this year, married with a couple munchkins. Great kids. I think we've been talking about retirement since our late 20s, so I have to admit I'm a little jealous hearing from so many of you that have been able to retire early. I feel like I'm waaaaay behind. My target is age 58, but this could be moved up quite a bit if the market cooperates... we're pretty diligent savers, but we got a late start. At some point I became very interested in personal finance (not long after I realized I didn't want to work forever I think) and a few years back I decided to persue the CFP designation thinking that maybe I could learn a few things and easily recover the cost of the program over I lifetime of making some better money decisions (and fewer mistakes). It turned out to be a really good thing for me... one of the best things being the ability to share some good lessons with my kids so they can get a much earlier start than I had.
A couple other items... I'm excited to no longer be confused about dryer sheets and my favorite thread so far I think is the the battle between the annuity salesman and everyone else (maybe there are many of these but it was very entertaining). This is a great outlet and service to many people and I've already picked up lots of valuable information here. I hope I can share a few things as well that will help people get where they're going.
So here's an early retirement question for anyone who might read this... my greatest concern for ER is finding affordable health care (actually, I suppose my first concern is staying healthy). Will I be able to retire without employer coverage? I'm not sure what to budget for the two of us and I don't have much knowledge about coverage of the various individual plans. I'd hate to be stuck with something that doesn't cover us if something catestrophic occurred. Any ERs here that can share insights, typical costs for that age range (assuming good health), warnings, good jokes?
Thanks!
Matt
After finding this site, I found myself bouncing around from forum to forum reading all kinds of fun, interesting and educational information. I posted a few comments here and there still haven't properly introduce myself. How rude. So here I am, with a belated intro and a little background.
I'll be 43 this year, married with a couple munchkins. Great kids. I think we've been talking about retirement since our late 20s, so I have to admit I'm a little jealous hearing from so many of you that have been able to retire early. I feel like I'm waaaaay behind. My target is age 58, but this could be moved up quite a bit if the market cooperates... we're pretty diligent savers, but we got a late start. At some point I became very interested in personal finance (not long after I realized I didn't want to work forever I think) and a few years back I decided to persue the CFP designation thinking that maybe I could learn a few things and easily recover the cost of the program over I lifetime of making some better money decisions (and fewer mistakes). It turned out to be a really good thing for me... one of the best things being the ability to share some good lessons with my kids so they can get a much earlier start than I had.
A couple other items... I'm excited to no longer be confused about dryer sheets and my favorite thread so far I think is the the battle between the annuity salesman and everyone else (maybe there are many of these but it was very entertaining). This is a great outlet and service to many people and I've already picked up lots of valuable information here. I hope I can share a few things as well that will help people get where they're going.
So here's an early retirement question for anyone who might read this... my greatest concern for ER is finding affordable health care (actually, I suppose my first concern is staying healthy). Will I be able to retire without employer coverage? I'm not sure what to budget for the two of us and I don't have much knowledge about coverage of the various individual plans. I'd hate to be stuck with something that doesn't cover us if something catestrophic occurred. Any ERs here that can share insights, typical costs for that age range (assuming good health), warnings, good jokes?
Thanks!
Matt