[bgirard]

'Rich, Broke, or Dead' made me realize that I was more likely to die early into retirement then I was to run out of money. In my case that made me realize that I'm not using my 30s effectively. I really like this visualization.

[lotsofpulp]

I feel like before retirement, in the US, many people’s concern should be having enough savings for their 50 to 65 years.

No Medicare, so you still need to buy insurance and pay for out of pocket maximums, and you are less and less employable for jobs that offer decent subsidized health insurance. Also, unless you qualify for significant ACA subsidies, premiums are going to be more than $1k per month per person.

And at the same time, most people will be getting their Type 2 Diabetes/Hypertension/Thyroid/etc diagnosis so their chronic medicines start.

If a married couple can both cross the age 65 line before hitting a big healthcare event, then they will probably be OK, but that is far from a guarantee.

[bgirard]

Yes totally. That calculator will yield different results for different number for different people. The conclusion for MY numbers is that I was too obsessed about it but from what I hear the general public is not putting enough effort into it.

[ahoho]

This is spot on. I have two close relatives in their early 60s who lost their jobs during the pandemic. One has diabetes, and searched for months before finding a tenuous low-level position for the insurance

[MuffinFlavored]

As somebody in a similar situation, with this new information/perspective, what are you going to do about it? Quit your job and have unlimited free time for hobbies/travel/no responsibilities other than significant other/your own health/children (optional)?

[bgirard]

Honestly just balancing the Life in WLB a lot more heavily. I think quitting work is too extreme for my situation and not beneficial if your friends are working. For me it means work less extra hours, not getting upset over set back at works, passing up on less invitations from my friends, being less hyper-frugal/cheap, etc...

[MuffinFlavored]

> passing up on less invitations from my friends

This is obviously a personal anecdote and ultra variable-dependent but my entire elementary school -> middle school -> high school friendbase hang out exclusively in Discord playing video games/watching sporting events digitally instead of in person. I wonder how widespread this is.