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Thank you, Dan.

I have equal to three months gross wages in an online emergency fund account.

I have 1k in cash for local emergencies. The recent urban wildfires have me more concerned than the usual earthquakes. And with PG&E (gas and electric) now doing power outages during high winds who knows who will be affected and for how long. Last week they had an accidental power outage in my local area, including an entire shopping center and the homes in my neighborhood. Unfortunately, there was no opportunity to buy food with cash because the businesses all closed their doors when they realized the power wasn't coming back on in fifteen minutes. A wonderful employee of our local Starbucks gave me two pre-packaged meals in plastic boxes that she said she would have had to throw out anyway. I walked over to the grocery store (which had closed its doors) and shared the contents with two musicians who were playing outside the doorway.

I also have a savings account at my local credit union which contains 3 years worth of wages.

My condo is paid off (so that leaves me with monthly HOA fees and semi-annual property tax). No car, but I'm thinking of getting a used one when I retire. As some of you may recall, I paid off my credit cards in October 2007. When I use them (the ones that give a cash dividend) I pay them off in full each month.

I've no idea what my medical costs are going to be when I retire as I have numerous chronic conditions. When the time comes I believe I will have to be partly retired for awhile. I'm going to switch from a full-time to a part-time job so that I can afford my health care supplement, a car (I want to be able to purchase it with cash and of course there are the expenses that come with owning it), ditto a dog, and lastly, I still want to be able to travel (although I think it will be mostly be day trips instead of multiple-week travels. The good news is the cost of taking the local train and busses will decrease by 50% when I turn 65.


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