Poll: How long did you track expenses before ER ?

[Live And Learn]

I forgot to say that the above $10K/yr "occasional" expenses did not include the $10K/yr healthcare deductible that we exceed 3 years in a row. And that has been paid out of an HSA account that we had built up to $40K from years of perfect health. As I already counted the yearly HSA contributions as expenses, I kept this HSA account off my Quicken portfolio.

I consider that HSA prepaid healthcare expenses, which I will definitely tap in my later years. I could not believe I drew on it so soon. It's just to show that one can never know.

My budget includes hitting the family OOP maximum annually. Should I spend less the excess will go 1/2 for travel and 1/2 to bring down by WR for the year.