[txcwpalpha]

>Yes I guess that works as long as a sudden bout of cancer or some other chronic illness doesn't turn your world around.

What does this have to do with it? Insurance would cover it just the same as if you hadn't quit your job.

I also took a hiatus from working and meeting expenses has never even been a concern for me, despite dealing with some quite serious medical issues. During my hiatus, I am constantly dumbfounded by people's lack of understanding of how I'm not totally broke without a job. If you have even the most basic budgeting skills and have decent enough job that you aren't living paycheck-to-paycheck, saving up enough money to live off of for 6-12 months is pretty easy. I only had a moderate salary, live in a medium-to-high CoL area, and wasn't particularly thrifty (I still engaged in normal spending like taking international trips places, buying new things, had a decent apartment, etc), and over the course of a 3 years I easily was able to save up enough to be jobless for multiple years living off of those savings alone. And that includes maintaining my savings for retirement, too.

[lazyasciiart]

If you expect to be dead at 40, you might not think your life was best spent working your tail off until 39 to "retire early".

[txcwpalpha]

What does that have to do with anything? I'm 27 and (f)unemployed.

[lazyasciiart]

Oh, I think I misread it. In this case I think the comment is actually saying that a plan to retire at 40 might be derailed by spending a couple years out of work in hospital at 28, thus losing your income at least temporarily and possibly spending your savings. A lot of this can be mitigated by having the right insurance, but once you aren't working it can be harder to afford insurance that will cover really good care.

What I was thinking of was that many people don't want to work very hard now to gain rewards later when there is a risk they won't live until later to enjoy it. So they do things like take a few years off at 27 and then go back to work until, say, 38, instead of working straight through until 34 and retiring permanently then.