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"I think the health care issue is worth about $40K per year in our budget as my wife is permanently disabled, but not classified as so.

I'm almost 42. My wife is the same. We have saved very aggressively off of my relatively great career and 4 years of her working. "

Have you looked into SS Disability for your wife? If she qualifies, after 2 years, she goes on Medicare......even at 42.

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