Re: LTC Insurance question
You are borderline right now, but you are also highly unlikely to end up needing LTC. I am SWAGging you to be at something like $1.5 million of assets by 58, assuming you max everything out and earn 8% annually. I suspect that you can afford to wait a few years before buying LTC insurance, and you may get a better idea of what your situation is like at that point. LTC insurance pricing is very sensitive to long term interest rates, which are extremely low right now. If rates go up, pricing should moderate, assuming you actually want to buy this stuff.
"Neither my companion or I carry firearms on our persons. We depend on the goodwill of our fellow man and the forbearance of reptiles."
- English Bob