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Message: <blockquote data-quote="db-2" data-source="post: 164201" data-attributes="member: 4743">i am 70 and still working.  One too many kids and one too many beers.  But it was a great ride sofar.  Boss told me he is interviewing and i may be gone next week.  In time to go north looking for sheds.Boss pays medical but sign up for the stuff and supplement with blue cross.  Saved him a bunch each month for the premium.  My supplement is 177 and wife 144.  SS was reduce by 104.90 for each of us. Got drug coverage from Humanna($59 for each) which is a joke and need to find other.  Am a veteran and do need to find out what they provide but been told my income is to high, will see.But this medicare pays great and little out of pocket.  Wife had two eye cats this month and I think the bill was like 7000 and we paid less than 100.  I believe our deducted is like 180 a piece for the year. I used a little and they paid all.  Wife is 66 and signed up at 65.  Been good so far.  No big deal just went to SS office.By the way in my humble opinion the earlier retirement was not for me ( as i did not do it).  A lot of beer to drink versus putting all those funds into savings.  Very little 401 for me from an employer and started really savings at 66 and putting monies away as there was finally monies to do that with along with paying off debt.  The monies were not there earlier to work with.  Needed to feed the kids and college and other things.  A friendly advisor of mine said with what i got i can make it to 90 with a salary of 84000 adjusted each year at 2%.  My plan was to make it to 80 when i may not be dead by really am dead by sitting in that there home.  So be careful of the goal of retiring at 55.  Great if you do but one can miss a lot along the line ( a lot of experience to put in the memory bank instead of cash in the bank). And kids, well the kids were fine and the grandkids make our day.So balance it out with what you want.  Remember what you thought when young does change as one gets older.  Sometimes risks are good for the soul. Goal setting is good but just never got around to it when young.  Birth control was whatever came and the same with a lot of it.  As it is what I got I feel it was just fine.  No regrets and no pills at this time for me or the wife. she has been there for 46 years. db</blockquote>

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