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  1. Clover5

    HSA Claims Proof

    From Florida Blue I can download all the claims going back to the start of the plan in 2020. Is that adequate proof or do I need all the Walgreens and Dr receipts too?
  2. Clover5

    HSA accounts, family or one per

    Just read tonight about having a separate HSA account per spouse or a “family” account. I read we can split the contribution between the accounts except for catch up goes to 55+ members account. Or it sounds like we can have a single family account with combined contributions. I am confused...
  3. Clover5

    Any difference buying coverage from healthcare.gov or insurer?

    Starting to make the move to ACA from Cobra to get new subsidy. When I look at either FloridaBlue or healthcare.gov they both include the new Recovery Plan subsidy. I thought you had to go with healthcare.gov to get subsidy? Seems easier to go direct with BCBS unless there is a downside.
  4. Clover5

    To HSA or not

    I have a chronic condition with pharmacy costs well past 100k annually. I had been thinking a Gold ACA plan was the way to go until I read a bogleheads posting about a HSA and started to look at the plans closer. In my mind HSA plans were for healthy people with occasional catastrophic medical...
  5. Clover5

    How I became comfortable with managing retirement

    As I approached my December 31 retirement (59yo) I was concerned with how to manage spending, fund insurance and was I going to be comfortable with life without a paycheck. So nine months out from retirement day I decided to re-arrange my accounts to essentially behave as if I was not...
  6. Clover5

    WHO - Confirmed cases doubled in 12 days

    “The number of confirmed cases worldwide has exceeded 200 000. It took over three months to reach the first 100 00 confirmed cases, and only 12 days to reach the next 100 000.” Am sure lots of this is just the fact testing is becoming more widely available, still pretty startling...
  7. Clover5

    CO offered intriguing option vs full retire

    Been on track to retire, am 57 and planned to cut to 3 days a week then end it in December. My boss offered to let me name a number of days a month I want to work and a amount for that work. E.g., a week a month for 60k a year or three weeks every quarter, etc... That is intriguing me, really...
  8. Clover5

    tIRA to 401k to Roth, is this right?

    Am about 6 months away from FIRE. Trying to get my financial picture in order around my deferred assets. Been trying to plan out what to do with my tIRA to ROTH and the sequence I need to do it in. I am 52, unmarried and my income doesn't qualify for deductible IRA or Roth. I have around 72k...
  9. Clover5

    Continue Private DIsability Insurance after ER?

    Am retiring in April at age 53. Have carried private personal DI (not from employer) since 1988. Am trying to decide if there is any reason to continue after April. It costs about 1800.00 a year and would would be glad to lose the cost. It terms at age 67. The only benefit I can imagine is...
  10. Clover5

    Retiring in April, should I max my 401k deduction for the four months?

    Planning on ER in April 2014. I annually always contribute max + catchup since my employer does a 25% match. My deduction is set at 7% so that it cost averages across the entire year, always reaching the limits by EOY. Since my plan is to stop in April I could up the deduction to my employers...
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