Live And Learn
Thinks s/he gets paid by the post
DH was forced to resign his position after a serious on the job injury. He is out of sick time and FMLA time because of a hip replacement earlier in the year. We cannot sue because his employer offers Workers Comp. Nothing we can do - it's all within the law (we've contacted several attorneys).
When I retired in June 2015 I had included the full costs of an ACA policy plus the out of pocket maximum for both of us, and zero income (for both of us) before pulling the trigger. Budgeted expenses were at 3% back then. DH continuing to work were my suspenders and allowed me sleep soundly.
The cost of ACA and the OOP max has gone up significantly in the past 4 years and expenses will now be 3.75% of our initial 2015 portfolio (3% of the current portfolio, thank you bull market !).
The budget is sound an includes 12% for non-recurring expenses such as new roof, new car, new appliances, etc etc.
I'm sort of freaking out a little and need to know if we need to consider part time employment.
What do you guys think ?
When I retired in June 2015 I had included the full costs of an ACA policy plus the out of pocket maximum for both of us, and zero income (for both of us) before pulling the trigger. Budgeted expenses were at 3% back then. DH continuing to work were my suspenders and allowed me sleep soundly.
The cost of ACA and the OOP max has gone up significantly in the past 4 years and expenses will now be 3.75% of our initial 2015 portfolio (3% of the current portfolio, thank you bull market !).
The budget is sound an includes 12% for non-recurring expenses such as new roof, new car, new appliances, etc etc.
I'm sort of freaking out a little and need to know if we need to consider part time employment.
What do you guys think ?