Originally Posted by HFWR
I could retire now, if need be, but at a lower standard of living than I'd prefer. I have LTD and LTC, both included in my basic cheapskate budget of around $24k/yr.
You are certainly way more responsible than me HFWR. I just whistled through the graveyard on all that stuff and got lucky. If I had all the insurance I was supposed to have, rider umbrellas, full coverage car, LTD, LTC, full low deductible health insurance, life insurance , etc., I would still have to be working instead of retired, to pay off all my premium costs.