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Old 08-13-2011, 01:33 AM   #1
Dryer sheet wannabe
Join Date: Jul 2011
Location: Orange
Posts: 13

I found about 2 years ago when we first started getting serious about retirement, but I didn't find this community until a couple of months ago. DH is 53 and I'm 52. Two years ago we began to realize that we no longer enjoy working. Fortunately, when we starting looking at the problem we learned that we had been so busy working that we had squirreled away a lot more than we had realized (there's a lot to be said for no-load MFs, especially index funds) and then we got a couple of unexpected windfalls (the good kind - nobody died!) and now we are hoping to pull the plug next year for me and the following year for DH. I'm glad we found firecalc, because it made it clear that we had much more modest savings goals than we thought. A lawyer once told us that no one could retire with less than $10M -- seriously!

I'm a primary care physician so I have a lot of horror stories about people who've had trouble getting insurance on the open market. This makes insurance one of our primary concerns. We have no children and my parents are FI, so we just have to worry about our own finances. We're hoping that the Affordable Care Act (Obamacare) will give us adequate security about healthcare, but we're going to wait to make our final decision about ER until the 2012 election has passed and the supremes have had their say. DH is eligible for citizenship in an EU country and I am also eligible as his spouse so that's our backup plan, but he's not as enthusiastic about it as I am.

My hobbies are dogs, gardening and learning foreign languages (bring on that EU living!), DH is a musician and we like to be involved in politics. I plan on doing at least some volunteering and always have the option to go back to w*rk part time, if I get bored.

Happy to meet you all!

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Old 08-13-2011, 01:59 AM   #2
Alan's Avatar
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 26,811
Welcome to the site Stella.

I'm sure that if I don't do this someone else will. Here are the supremes having their say.


Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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Old 08-13-2011, 03:18 AM   #3
Thinks s/he gets paid by the post
obgyn65's Avatar
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
Welcome, Stella.
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
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Old 08-13-2011, 06:30 AM   #4
Give me a museum and I'll fill it. (Picasso)
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donheff's Avatar
Join Date: Feb 2006
Location: Washington, DC
Posts: 9,998
Welcome Stella and I enjoyed your initial post over on the other thread. I typed up a supportive (of you, but argumentative against others) response but hit the wrong key and lost it. Upon review I figured I should skip it. One of the major worries on this board is health insurance coverage leading up to Medicare. I find it nearly incomprehensible that many here will cheer an invalidation of the individual mandate (and potential demise of universal coverage for decades) if that is how it goes.
Every man is, or hopes to be, an Idler. -- Samuel Johnson
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Old 08-13-2011, 09:48 AM   #5
Give me a museum and I'll fill it. (Picasso)
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Ed_The_Gypsy's Avatar
Join Date: Dec 2004
Location: the City of Subdued Excitement
Posts: 5,540
Since working part-time is an option, if health insurance really becomes a problem, you could find a part-time job that at least gives you health insurance. You could also start a small business (it could be anything, as long as the IRS doesn't think that it is a hobby; read up on this) and participate in a group health insurance plan.

Someone please correct me if I am wrong, but I have the impression that many health insurance programs in the US cease when you become of the age for Medicare.
I have outlived most of the people I don't like and I am working on the rest.
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