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Topic: Retirement / What am I working for?

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FearlessF

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Re: Retirement / What am I working for?
« Reply #672 on: August 25, 2026, 09:52:28 AM »
maybe he wants a bigger boat
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847badgerfan

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Re: Retirement / What am I working for?
« Reply #673 on: August 25, 2026, 09:53:38 AM »
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FearlessF

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Re: Retirement / What am I working for?
« Reply #674 on: August 25, 2026, 09:55:26 AM »
Aye aye, captain
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utee94

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Re: Retirement / What am I working for?
« Reply #675 on: August 25, 2026, 09:59:47 AM »
(got tired of getting bossed around at home by the wife, I'm guessing... ;) )
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betarhoalphadelta

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Re: Retirement / What am I working for?
« Reply #676 on: August 25, 2026, 10:00:53 AM »
Quote from: Cincydawg on August 25, 2026, 08:41:09 AM
I did get a package, it included "retiree health insurance", which was big because I was 58.
That would be huge. 

I haven't priced ACA plans yet b/c I'm still too many years out, but I know we won't qualify for subsidies so it's gonna be expensive. 
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847badgerfan

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Re: Retirement / What am I working for?
« Reply #677 on: August 25, 2026, 10:06:44 AM »
Quote from: utee94 on August 25, 2026, 09:59:47 AM
(got tired of getting bossed around at home by the wife, I'm guessing... ;) )
Nah. She's almost always out. It's quiet here most of the time.

This deal includes some nice $$$ income, healthcare for me (BCBS PPO), supplements for the wife (BCBS), BCBS dental for both and VSP vision for both. I also get short-term disability and a $50K life insurance plan.

If I feel like it, I'll go until I hit Medicare. If I don't feel like it, I won't.

Don't need it. But, as Kiss said, you gotta get all you can take.


https://www.youtube.com/watch?v=cdPRz0Oq2us&list=RDcdPRz0Oq2us&start_radio=1
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Cincydawg

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Re: Retirement / What am I working for?
« Reply #678 on: August 25, 2026, 10:13:49 AM »
Yeah, I strongly suggest factoring the cost of health insurance into any retirement plan.  I pay $168 a month for Part whatever on Medicare, and they take a few hundred out of my SS to pay for whatever else.  The $168 covers us both, I under appreciated this when I retired.
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bayareabadger

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Re: Retirement / What am I working for?
« Reply #679 on: August 25, 2026, 11:18:37 AM »
Quote from: 847badgerfan on August 25, 2026, 08:46:25 AM
I just turned full-time again.

Made me an offer I couldn't refuse.
Politely, you’re the worst retiree I’ve ever known. Like, you’re awful at it. 

:)
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bayareabadger

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Re: Retirement / What am I working for?
« Reply #680 on: August 25, 2026, 11:20:42 AM »
Quote from: Cincydawg on August 25, 2026, 10:13:49 AM
Yeah, I strongly suggest factoring the cost of health insurance into any retirement plan.  I pay $168 a month for Part whatever on Medicare, and they take a few hundred out of my SS to pay for whatever else.  The $168 covers us both, I under appreciated this when I retired.
I wonder if you have a part or plan whatever. The mechanics of that are kind of interesting and very few people know jack about what they have. 
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847badgerfan

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Re: Retirement / What am I working for?
« Reply #681 on: August 25, 2026, 11:25:04 AM »
Quote from: bayareabadger on August 25, 2026, 11:18:37 AM
Politely, you’re the worst retiree I’ve ever known. Like, you’re awful at it.

:)
I'm not going to argue this at all.
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Cincydawg

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Re: Retirement / What am I working for?
« Reply #682 on: August 25, 2026, 11:40:41 AM »
Quote from: bayareabadger on August 25, 2026, 11:20:42 AM
I wonder if you have a part or plan whatever. The mechanics of that are kind of interesting and very few people know jack about what they have.
Maybe I have part of a plan.  My experience is that it pays for nearly everything, including dental and vision.  I paid for my corrective vision thing.  I pay $30 deductable for an annual physical.  Sometimes my wife's dental stuff is complicated and we pay some of it.  My cataract surgery was "free", maybe a deductable.  My basil cell carcinoma was almost free, including diagnosis, biopsy, and surgery.  

Whatever I have seems to work for us.
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MarqHusker

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Re: Retirement / What am I working for?
« Reply #683 on: August 25, 2026, 11:58:28 AM »
It is (now) utterred wisdom that one should expect $250,000 in out of pocket medical costs in retirement.  I first read this when hsa were being 

I aggressively fund ours.  Triple tax free
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bayareabadger

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Re: Retirement / What am I working for?
« Reply #684 on: August 25, 2026, 11:58:44 AM »
Quote from: Cincydawg on August 25, 2026, 11:40:41 AM
Maybe I have part of a plan.  My experience is that it pays for nearly everything, including dental and vision.  I paid for my corrective vision thing.  I pay $30 deductable for an annual physical.  Sometimes my wife's dental stuff is complicated and we pay some of it.  My cataract surgery was "free", maybe a deductable.  My basil cell carcinoma was almost free, including diagnosis, biopsy, and surgery. 

Whatever I have seems to work for us.
Interesting. Regardless, if it works, it works. 
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bayareabadger

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Re: Retirement / What am I working for?
« Reply #685 on: August 25, 2026, 12:01:08 PM »
Quote from: MarqHusker on August 25, 2026, 11:58:28 AM
It is (now) utterred wisdom that one should expect $250,000 in out of pocket medical costs in retirement.  I first read this when hsa were being

I aggressively fund ours.  Triple tax free
Hmmm. I’d be fascinated to see the math on that. If only because I’m kind of in that space.

The HSA thing is odd because early on, it feels like using it at all is sort of wasteful. Like if something generated a tax free growth, why eat into that so quickly? 
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