[bdangubic]

I definitely agree with your statement, though I don’t fully understand the link between that and not being able to retire…

I think core of retiring early basically means I have financial safety to last me at least my lifetime. yet, health-related expenses weight heavily in that decision - do you really have enough?

Is the thinking that for as long as a person is covered by an employer plan they will get better coverage than what’s available on the exchange, therefore it’s better to just never retire? This also doesn’t seem too logical.

THIS is hardly ever talked about - I could not agree more. I think it is psychological thing where if you are still working the money keeps coming in and as long as you do you may not run out… or course as you so eloquently put it - it is very ilogical