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Our Cobra cost (1286/mo - inc dental & vision) is included in the monthly expense total. I did some shopping around on the exchange and there's not much of difference with the monthly amount when I do a comparison. Quite frankly, the monthly medical premium cost is the thing keeping me up at...

Thank you Age discrimination is rampant in the Silicon Valley, so I'm prepared for an uphill climb with finding another job of similar pay/position. We have zero debt. We haven't carried credit card balances, car loans etc for several years.

[Mod Edit] I'm now 54, and was recently laid off from my mid-level tech management Silicon Valley job. My earnings topped out last year at 240k/yr. My SO (56) is semi-retired and earns about 15k/yr. We have a modest portfolio due to a late start (mid-40's) with our investments. We have...