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I have a bit of a problem figuring out when one should count being officially in the workforce. Does it begin after on graduates from high school, college or when one hits a certain age?

That said, I entered college immediately after graduating from HS. I took a part-time job the summer before my sophomore year and kept it until I graduated w/ a B.S.

Using that as a start time:

+6 months - while my new hubbie and I moved to the Boston area and bought a house.

~1 month - when we moved back, after he finished grad school.

~4 months - for first son's birth.

~4 months - for second son's birth.

~1.5 months - recovering from foot surgery, worked from home ~ half-time

~6 months - I was paid to leave in a "job action" at the ripe, old age of 61.5 years. Being in IT, I knew it would be thankless to try to get a new job at anywhere near my old salary, so I officially retired at 62.

As a retiree I was allowed to continue on my old company's health insurance plan, as long as I paid for it, until I hit 65. I have Medicare now, but continue to pay around $375/month for family coverage w/ my former employer, since my youngest is only 21 and heading into grad school. This includes a Part D equivalent drug coverage for both myself and MDH.

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