Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
"Can I afford it" - surgical procedure
Old 04-20-2016, 06:24 PM   #1
Dryer sheet aficionado
 
Join Date: Mar 2013
Posts: 37
"Can I afford it" - surgical procedure

Hi all,
I just wanted to get some opinions here and see if anyone else has paid a nice chunk of money toward procedures or cosmetic/health related surgeries. The wife wants to get a surgical procedure done now that we are done with having kids and I am having a hard time coming to terms with the costs of this. We do live below our means and we both want to FIRE by late 40s. She really wants it(I think it's more of a self confidence thing). Of course, she works and makes around $85k/yr, so she says it's her money she would use.
Procedure costs $13,500.
Our investments total around $275k and we own two homes with approx. $90k equity between the two. Also I will get a military pension worth approx $48k/yr in 10 yrs. we are both 34 yrs old.

Whats your opinion on our financial situation and "can we afford it."
Thanks
__________________

__________________
moneymaker is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 04-20-2016, 06:27 PM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
braumeister's Avatar
 
Join Date: Feb 2010
Location: Northern Kentucky
Posts: 8,599
That's easy.
It will be paid for with her money.
It will make her happy.
End of discussion.
__________________

__________________
braumeister is online now   Reply With Quote
Old 04-20-2016, 06:32 PM   #3
Thinks s/he gets paid by the post
RobbieB's Avatar
 
Join Date: Mar 2016
Location: Central CA
Posts: 2,486
I agree.

The better question is why are you asking us?
__________________
Retired at 59 in 2014. Should have done it sooner but I worried too much.
RobbieB is offline   Reply With Quote
Old 04-20-2016, 06:39 PM   #4
Thinks s/he gets paid by the post
Senator's Avatar
 
Join Date: Feb 2014
Location: Eagan, MN
Posts: 3,047
You did not say what the surgery was, but if it makes you feel better too, go with it.

And when it doubt, go larger. They are worth every penny. $13.5K is too much, shop around.
__________________
FIRE no later than 7/5/2016 at 56 (done), securing '16 401K match (done), getting '15 401K match (done), LTI Bonus (done), Perf bonus (done), maxing out 401K (done), picking up 1,000 hours to get another year of pension (done), July 1st benefits (vacation day, healthcare) (done), July 4th holiday. 0 days left. (done) OFFICIALLY RETIRED 7/5/2016!!
Senator is offline   Reply With Quote
Old 04-20-2016, 06:47 PM   #5
Dryer sheet aficionado
 
Join Date: Mar 2013
Posts: 37
Ahh ok. Part of me asking is is this a fair price. It sounds high to me.

Also I would rather her not get it. Not only because the price but I love her how she is and I just don't think her stomach is bad.
Surgery- tummy tuck with liposuction and fixing a protruding hernia. That's it.

I think she needs to shop around more. She thinks that the most expensive plastic surgeon has to be the best. She was thinking this type of surgery would be between $5-7k
Help me out here!
Thank you!
__________________
moneymaker is offline   Reply With Quote
Old 04-20-2016, 06:52 PM   #6
Recycles dryer sheets
irishgal's Avatar
 
Join Date: Mar 2015
Location: Wildwood
Posts: 334
First she should get a couple of opinions regarding the procedure and price.
Then, yes I say support her in doing this. Yes I get you love her as she is but she would not be considering this if what she is having corrected did not bother her.
Regardless of what people say about accepting ourselves as we are, the reality is she feels that this is something she wants done and probably will continue to want it done until it's done.
So, path of least resistance for you.


Sent from my iPhone using Early Retirement Forum
__________________
irishgal is offline   Reply With Quote
Old 04-20-2016, 07:02 PM   #7
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
travelover's Avatar
 
Join Date: Mar 2007
Posts: 9,878
$13.5K is cheap. Divorces start at 50% of assets.
__________________
Yes, I have achieved work / life balance.
travelover is offline   Reply With Quote
Old 04-20-2016, 07:27 PM   #8
Moderator
Walt34's Avatar
 
Join Date: Dec 2007
Location: Eastern WV Panhandle
Posts: 16,528
Quote:
Originally Posted by travelover View Post
$13.5K is cheap. Divorces start at 50% of assets.
What he said. And 50% is if you're lucky.

Seriously, I think there's little doubt that as a couple you can afford it, and that if it wasn't important to her she wouldn't be willing to risk going into surgery and enduring the pain this is going to involve. That one part is important to understand - this is REALLY important to her! Being an obstacle is going to cost a bunch in long term resentment that may never be completely overcome.

Both of you have been LBYM for a long time but once in a while everyone wants to splurge a bit just for no better reason than "I wanna..." and this sounds like one of those times. Especially when it comes to something like intimate plastic surgery connected to self-image, self-confidence, and all that stuff. Tread carefully if your response is anything other than an enthusiastic "Yes Dear!"
__________________
I heard the call to do nothing. So I answered it.
Walt34 is offline   Reply With Quote
Old 04-20-2016, 08:22 PM   #9
Recycles dryer sheets
 
Join Date: Jul 2011
Location: Minneapolis
Posts: 104
No question. Happy wife = happy life.
__________________
BrianB is offline   Reply With Quote
Old 04-20-2016, 08:26 PM   #10
Thinks s/he gets paid by the post
Souschef's Avatar
 
Join Date: Dec 2015
Location: Santa Paula
Posts: 1,184
Quote:
Originally Posted by BrianB View Post
No question. Happy wife = happy life.
+1000
__________________
Retired Jan 2009 Have not looked back.
AA 95%/0/5
WR 2% SI 2SS & 2 Pensions
Souschef is offline   Reply With Quote
Old 04-20-2016, 08:36 PM   #11
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Moemg's Avatar
 
Join Date: Jan 2007
Location: Sarasota,fl.
Posts: 10,032
I would bet that some of the cost will be covered since she has a hernia . Go for it !
__________________
Moemg is offline   Reply With Quote
Old 04-20-2016, 08:58 PM   #12
Recycles dryer sheets
 
Join Date: Aug 2010
Posts: 359
Yes. You can afford it. At your age, my DW and I had very little asset. She wanted to spend $4000 to have braces. We agonized it but decided she deserves them.

Today, she has a beautiful smile and that $4000 did not impact our retirement plan at all.
__________________
fh2000 is online now   Reply With Quote
Old 04-20-2016, 09:09 PM   #13
Thinks s/he gets paid by the post
 
Join Date: Jan 2014
Posts: 1,318
My girlfriend got a chin implant or whatever they call it. She had a small chin and she said it's bothered her for years. I couldn't see the difference before or after but she did. Her husband thought she had more confidence after the surgery. If you can afford it, get the surgery.
__________________
splitwdw is offline   Reply With Quote
Old 04-20-2016, 09:15 PM   #14
Recycles dryer sheets
Richard4444's Avatar
 
Join Date: Jul 2011
Location: South Florida
Posts: 402
Resentments turn out to be bad things. She should have this procedure.

Rich
__________________
Richard4444 is offline   Reply With Quote
Old 04-20-2016, 10:09 PM   #15
Thinks s/he gets paid by the post
redduck's Avatar
 
Join Date: Mar 2005
Location: yonder
Posts: 2,054
Quote:
Originally Posted by moneymaker View Post
.... Also I would rather her not get it. Not only because the price but I love her how she is and I just don't think her stomach is bad.
Surgery- tummy tuck with liposuction and fixing a protruding hernia. That's it.
It's great that you love her how she is, but maybe she doesn't love her how she is. You may not think her stomach looks bad, but, I'm not sure you get a vote here. Maybe an opinion, but that's about it. It's kind of like Puerto Rico and the Electoral College (or maybe not).

Anyhow, be careful with tummy tucks and liposuction. They may be common procedures, (at least they are in Southern California) but from what I understand they can be tricky. Make sure you get a good doc who has successfully done a bunch of these.
__________________
Carpe cōleī
redduck is offline   Reply With Quote
Old 04-21-2016, 02:00 AM   #16
Thinks s/he gets paid by the post
Katsmeow's Avatar
 
Join Date: Jul 2009
Posts: 3,396
Quote:
Also I would rather her not get it. Not only because the price but I love her how she is and I just don't think her stomach is bad.
Surgery- tummy tuck with liposuction and fixing a protruding hernia. That's it.
I agree it is her opinion that matters here.

I personally lost about 65 pounds over the past few years and I am currently scheduled to have some surgery as a result. One of the procedures I will be having is a tummy tuck, so I have researched costs quite a bit.

A good site for plastic surgery information is Realself

I got a ton of information from there that was really helpful.

AS for cost -

$13,500 for a tummy tuck with liposuction and hernia repair

Where I am that would be a little high for tummy tuck plus liposuction of the flanks if that was all that was being done. Now, if more extensive liposuction is involved (such as of the back or the thighs, then it wouldn't be. Also, there is the cost of the hernia repair. you should check to see if the hernia repair might be covered by insurance. Sometimes that can cut costs. Given the hernia repair the cost is probably not unreasonable. In any event, it is generally better to go to more than one surgeon for consultations.

That said -- cost is certainly a factor, but finding an excellent surgeon who is experienced and board certified by the American Board of Plastic Surgery is really important. Note that there are some doctors who call themselves cosmetic surgeons and they are not actually certified by the American Board of Plastic Surgery. It is important to really carefully research the surgeon.

For example, for one of my two sets of procedures I am having down I am paying about $3000 more with the surgeon I selected than I would with another surgeon. But, I felt the one I selected was the best for what I wanted. Note that often a substantial part of the costs are not the surgeon's fee. There is also the cost for the surgical hospital or facility, the cost of anesthesia and the cost of recovery if staying overnight after the procedure. The primary difference in cost between the two surgeons was not the cost of the surgeon's fee. It was the difference in hospital charges between the two different hospital that they used.
__________________
Katsmeow is offline   Reply With Quote
Old 04-21-2016, 05:05 AM   #17
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Amethyst's Avatar
 
Join Date: Dec 2008
Posts: 5,882
Ick.

Quote:
Originally Posted by Senator View Post

And when it doubt, go larger. They are worth every penny.
__________________
If you understood everything I say, you'd be me ~ Miles Davis
'There is only one success to be able to spend your life in your own way. Christopher Morley.
Amethyst is offline   Reply With Quote
Old 04-21-2016, 05:34 AM   #18
Thinks s/he gets paid by the post
 
Join Date: May 2014
Posts: 1,049
My only concern is the obvious ....will there be more?


Sent from my iPad using Early Retirement Forum
__________________
rayinpenn is offline   Reply With Quote
Old 04-21-2016, 08:50 AM   #19
Recycles dryer sheets
 
Join Date: Jun 2007
Location: Oklahoma City
Posts: 275
THIS is an opportunity for you to step up ...
"No honey, if you really want this then I want to pay for every dime of it, I cannot think of anything more important I'd want my money going towards but your happiness!"
__________________
USAF Veteran -- Retired Air National Guard -- OSW -- ONW -- OIF
militaryman is offline   Reply With Quote
Old 04-21-2016, 09:31 AM   #20
Thinks s/he gets paid by the post
zinger1457's Avatar
 
Join Date: Jul 2007
Posts: 1,452
Was listening to a plastic surgeon being interviewed and he was talking about a newer non-invasive procedure where they wrap something around you that freezes your fat cells which causes the fat cells to die and pass through your body. He claims it results in a 25% reduction in fat cells. Not sure how effective it is and he didn't mention the cost for the procedure but it sounds better then going under a knife.
__________________

__________________
zinger1457 is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
My surgical experience overseas Trek Health and Early Retirement 11 12-10-2007 12:20 PM
MSNBC: "Few" people in their early 60s can afford retirement SLC Tortfeasor Young Dreamers 7 07-29-2005 08:46 AM
Can we afford to ER? New Yorker Young Dreamers 19 06-24-2005 08:53 AM
If You Make "x", Then You Can Afford "y" Tommy_Dolitte Young Dreamers 14 11-03-2004 06:30 PM
America can afford to spend more on healthcare?!? Nords FIRE and Money 23 10-13-2004 07:07 PM

 

 
All times are GMT -6. The time now is 07:31 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.