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Old 05-05-2011, 09:20 AM   #21
Recycles dryer sheets
Join Date: Feb 2010
Posts: 124
Well... I took the plunge last year at age 56 with significantly less savings/income than you describe. (FWIW- I've got an MBA in finance from a top business school.)

We are similar in some ways. DW and I are now truly empty nest and we just downsized. While I do not have your health issues neither do I have the disabilty income that can certainly cover the costs of insuring against a catastrophic loss.

In my plan I am budgeting significantly less in expenses than you.
However, I'm not feeling pinched and have not had to make any significant adjustments in my daily life.

So, I'd vote "yes". Enjoy.

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