[quote=AN]I agree, divorce is the one thing you can’t really plan for. So, I’ll concede on that point. However, death can easily be planned by with a large enough life insurance plan.
WRT health problem, of course if you’re self-employed, you’d have to pay for your own medical insurance. Which is why freelancers make more than W-2er. Why do you have to get HDHP? Why can’t you get a HMO? WRT to $8k/year. I save more than $8k/year ever since I start working.[/quote]
Non-employer Health insurance (for the moment) is very expensive if you have a pre-existing conditions. That will hopefully be mitigated in 2014.
The Early retirement board I mentioned earlier – this is a big discussion point… people retiring before medicare age – need to account for health insurance… and if there are pre-existing conditions it can be a reason to stay with an employer well after you have the means to leave the work force… One guy who posts there has a wife who was dx’d with cancer. They are getting quotes on the order of $3k/month for insurance for her. He’s staying at work because of the health insurance.
