Boy, I couldn't agree more with health insurance being the biggest "gotcha"! I medically retired at 39, will officially retire at 50 (yr and a half to go) while DH, who is 52, is still working due to health insurance costs. He currently pays $50 per month towards his ins. (which will probably go to $125 with the new contract) Once he retires (in 2 yrs) we have to pay the entire amt. which is over $900 per month as of two months ago. We've worked it into the "spending plan" but it still hurts!
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