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Oh definitely agree re. education. We paid out-of-state tuition at public universities for all three getting only the minimum loans in their names. They all started paying their loans upon graduation and a few years post graduation, we reassessed our financial position and decided getting the...

Thanks to everyone for the feedback and insights into other examples. It helps to get some additional perspective as we're "early" in the cycle and have only a couple of examples to compare our situation with.

Great questions. The oldest (31F) makes considerable income as a software engineer in CA (as does her fiancé) so they were fine with my budget and they will be covering the remainder of what they spend along with some contribution from his family. The youngest (25F) and her fiancé are obviously...

Totally agree with your "everything equal" thinking. Definitely don't want to do anything to drive wedges between siblings or us and any of them.

Yeah - i guess maybe there's a ton of variables in a wedding and location is a huge factor in costs.

I'm guessing many of you have adult children and you've helped pay for some weddings along the way. DW and I have three adult daughters and two are currently engaged with the third likely getting engaged soon. We definitely budgeted for their weddings but don't believe in an open-ended expense...

Welcome and thank you for sharing your details. Lots of different experiences shared here and the information shared on this forum has been very helpful and valuable to me. I don't post all that often but feel this is the home of the best E-R discussions anywhere.

Welcome!

After a big push into the Medicare Advantage business, CVS is apparently struggling wtih making it profitable. Gee, I wonder if this will drive up premiums and cause additional hurdles for getting access to specialists, advanced procedures, etc.? Anyone on the CVS MA plans care to comment on...

Completely agree with you and have taken the same approach as you. I almost never watch news on TV from any source and seek out what I hope is "less" biased news from several well-established, reputable news sources.

This needs to be reported - as do all questionable billing/coding related to Medicare. There is an organization called the "Senior Medicare Patrol" (SMP) funded by CMS to help beneficiaries prevent, detect and report healthcare fraud, errors and abuse. Start here: https://smpresource.org/ to...

Exactly. There's nothing stopping the employer from just waiting for your bucket to be completely full and you decide you *really* can't take it any longer. It's probably likely they too have noticed you're not having the same impact you did in earlier years and know you're likely to retire on...

Isn't it great to be on the 'same page' as your SO?

In our area it's crazy what the rental rates have risen to. There's definitely a shortage of smaller starter homes and 1-2 bedroom rental units which is keeping prices of both pretty high and I haven't seen any noticeable reductions. My auto, home and umbrella policies all renewed over the last...

Same here... the ACA subsidy is considerable for us right now. Should that change due to legislation then I may reconsider ROTH conversions. Currently planning to evaluate some conversions in the years between Medicare and taking SS (planning for 70 but could be earlier if health situation were...

this one is actually 10 years: https://www.officialdata.org/us/stocks/s-p-500/2000?amount=1000000&endYear=2009

That makes sense. But what about "closing the books" for AARP/UHC plans? Are they not doing that perhaps?

Looking at the medicare.gov website for my NJ zip code, it appears that AARP/UHC offers a 'community rated' medigap policy. Wouldn't that be better from a premium perspective over the longer term vs. an 'attained age' policy?

Felt it here at the epicenter in Hunterdon. Wild.

Sorry but I’ll say it again… schedule a session with your local SHIP counselor. For Florida: https://www.shiphelp.org/about-medicare/regional-ship-location/florida

I wonder how the US compares to other countries - specifically the top 25 or so industrialized countries. I have frequently heard that we're the most expensive but have middling or worse outcomes. Again, not to get political here but it seems like human healthcare for profit is somewhat...

My point was the commentary about people saying it's not actually "affordable" and there's a reason it's not exactly inexpensive if subsidies aren't factored in. Sorry if my point wasn't clear.

For me, the ACA is a benefit because I can pick and choose which plan and insurance company works best for me each year without fear of being denied. I am guaranteed coverage regardless of my existing health conditions (currently blood pressure meds) and I am sure of the basic aspects of what...

Reading this thread and some of the criticisms of the ACA reminds me that what we call "ACA" today is a subset of the actual legislation that was passed and even then, a fraction of how it was originally conceived. Remember when the ACA was passed and everyone (read - young, healthy people)...

Please check out your local county SHIP resources... invaluable and not compensated by any of the insurance companies. SHIP is run at the state/county level and available nationwide. Highly recommended. https://www.shiphelp.org/