I am 57, he is 63. He is retired (Firefighter) who works PT...I work FT. We own home (no mortgage), have IRAs. Four adult children (well, one still in college). COULD live on retirement pay if we didn't go to see the grandkids (out of state) or go out to eat as often. Sorry... the question is: Do we need Long Term Health Care? For our ages it would amount to over $2,000 for both of us. I have Long Term Disability where I work and as I am the one with the full time job do you think it is enough? We don't want to be "insurance poor," but we also don't want the kids to be saddled with us. Would investments be a better course of action? As I am sure you know, as soon as retirement comes, he comes the sales pressure. Does anyone have any advice?
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