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I'm 47 and DW is 49. We'd both like to retire soon although I see me going part time just as a safety net.

Here is our situation. Both have individual HSA accounts that we started before we got married. Have a deductible of $5k. Premiums are about $200/month for each. Totally negative histories.

The biggest difference probably, we're high DINKs (Dual Income No Kids). Well, except for spoiling the niece and nephews. And dogs.

We have are emergency fund to cover such things as the deductible if we need to. And we plan on the premiums like any other necessary cost in retirement. Which in this case can basically be a SWAG (Scientific Wild Ass Guess). That's probably while I'll stay part time.

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