Finally saying hello....RE'd over a year ago. Found I was growing old in a young persons' profession. Tried my time in management years ago but found it did not resonate with my desires, and went back to the technical track at MegaCorp. Finally, at 60, and with health issues, realized I couldn't keep up with the kiddy-coders any more. Zero chance of a package from Megacorp, and of course zero pension, but nevertheless one day just had to chuck it.
Spent next three months waking in cold sweats thinking "what on earth have I done", but the firecalc numbers keep showing we're gonna make it, especially after SS kicks in...
The fun part has been managing income for ACA. We live in an expanded-medicare state, so gotta demonstrate realized capital gains of above 138%FPL another 3.5 years until Medicare can kick in. Health-care hasn't been bad (so far), pretty much every doc in this state is in-network, and since I can show an ACA-income of only 23K, premiums and deductible are tiny-ish. Surprisingly, our 2020 premiums are only 42% of what they were for 2019, with same deduct/max-oop! Yay Obamacare?
Our needs are modest, our entertainment/travel desire is small, so, at over a year in, our annual spend turns out to be a few thousand less than original estimates. Our primary fun is driving the Mini at speed through the twisty roads and northern mountains of New England, so next year we'll blow that extra cash on some longer runs with the Mini club
(AA 50/40/10, 3.07% WR,
enough cash to avoid SORR until SSA if we have to...)
Spent next three months waking in cold sweats thinking "what on earth have I done", but the firecalc numbers keep showing we're gonna make it, especially after SS kicks in...
The fun part has been managing income for ACA. We live in an expanded-medicare state, so gotta demonstrate realized capital gains of above 138%FPL another 3.5 years until Medicare can kick in. Health-care hasn't been bad (so far), pretty much every doc in this state is in-network, and since I can show an ACA-income of only 23K, premiums and deductible are tiny-ish. Surprisingly, our 2020 premiums are only 42% of what they were for 2019, with same deduct/max-oop! Yay Obamacare?
Our needs are modest, our entertainment/travel desire is small, so, at over a year in, our annual spend turns out to be a few thousand less than original estimates. Our primary fun is driving the Mini at speed through the twisty roads and northern mountains of New England, so next year we'll blow that extra cash on some longer runs with the Mini club
(AA 50/40/10, 3.07% WR,
enough cash to avoid SORR until SSA if we have to...)