Truckinalong
Recycles dryer sheets
- Joined
- Sep 27, 2018
- Messages
- 64
Long time lurker and ER planner. Used to post like 20 years ago on the long gone original retire early forum. I am 44, DW is 37, in theory could pull plug in 5 years assuming ACA stays as is of course.
We are pre-existing central, I have history of atrial fibrillation (currently none due to successful ablation) and she has sickle cell anemia (does well due to genetic factors).
What I can't wrap my head around is assuming double 7 figures invested and dividend/bond interest that could support out lifestyle (No kids, paid off house) how to protect or deal with the real likelihood of higher medical costs than average and end of life costs (more likely for her). Though, if I have learned anything who knows. Took me 4 years and big deductibles to sort out the AF and she has required no care at all. Life is weird that way. I would have though exact opposite if you asked me 15 yrs. ago when we got married.
We worry about leaving the other destitute. We envision a bronze plan with high deductible but if that was not there then what, we could end up in a medicaid asset spend down scenario very young.
What strategies could we use now given our desired timeline or am I realistically doomed to be working forever despite excellent financial planning to date.
Help! Oh, if I can wrap my head around this I hope to become a valued contributor in the more upbeat sections of this forum!
Thanks
We are pre-existing central, I have history of atrial fibrillation (currently none due to successful ablation) and she has sickle cell anemia (does well due to genetic factors).
What I can't wrap my head around is assuming double 7 figures invested and dividend/bond interest that could support out lifestyle (No kids, paid off house) how to protect or deal with the real likelihood of higher medical costs than average and end of life costs (more likely for her). Though, if I have learned anything who knows. Took me 4 years and big deductibles to sort out the AF and she has required no care at all. Life is weird that way. I would have though exact opposite if you asked me 15 yrs. ago when we got married.
We worry about leaving the other destitute. We envision a bronze plan with high deductible but if that was not there then what, we could end up in a medicaid asset spend down scenario very young.
What strategies could we use now given our desired timeline or am I realistically doomed to be working forever despite excellent financial planning to date.
Help! Oh, if I can wrap my head around this I hope to become a valued contributor in the more upbeat sections of this forum!
Thanks
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