Agree completely, especially with the 1M health oops fund, that needs to be replenished when tapped. Healthy or not, stuff goes wrong, or needs a bit of maintenance every now & then. I'm only 71, fairly healthy, and most of these touch up, have been last 5 yrs. I've been here 25+ years, hence the self insuring, and ahead on that curve ... so far. Pretty sure I couldn't get good health insurance for 25k a year, especially after 60 yrs old. Some more 1st hand experience ... ... ~50k hemorrhoids, about 20 yrs ago, and cheap private hosp ... 30k endo/colonoscopy's at public hosp (will need done again) ... 225k for couple stent placement at public hosp ... 73k cataract (without special lens), me 87k + follow up, so 95k ... 95k for the other eye, in future at private, (public little cheaper) ... 50k couple root canals & caps, 50k, private or public = not cheap ... 60k for upcoming tooth implant ... 17.4k for full abdominal CT Scan, public hosp ... <10k kidney CT Scan coming up, public hosp ... ??? means kidney stone issue or prostate TURP ... 50k for 10k yearly check up, and really should have done at 5 yr intervals, I've done < 5yr intervals, maybe 10 so far, so 100k for me. ฿627.4k so far, and nothing really serious needed tending to. Doesn't include up coming kidney or prostate issue tended to.
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