Search found 185 matches

by M
Sun Mar 10, 2019 7:18 pm
Forum: Health Questions
Topic: Estimating Healthcare Costs in America
Replies: 29
Views: 3120

Re: Estimating Healthcare Costs in America

@IlliniDave This is a good observation, and also the main reason why I generally choose one of the cheapest plans available. Unfortunately the cheapest bronze family plan in my area is still over $1,000 /month. @Frx Wow - good advice. My parents lifestyle was drastically different from my own. Neith...
by M
Sun Mar 10, 2019 6:00 pm
Forum: Health Questions
Topic: Estimating Healthcare Costs in America
Replies: 29
Views: 3120

Re: Estimating Healthcare Costs in America

@FRx I'm classically trained as an engineer, not a doctor, so I'm not sure how the best way of determining if someone is genuinely healthy or not. It seems to me that using a really high deductible short term health insurance plan combined with a direct care model may be risky financially, unless on...
by M
Sun Mar 10, 2019 9:04 am
Forum: Health Questions
Topic: Estimating Healthcare Costs in America
Replies: 29
Views: 3120

Re: Estimating Healthcare Costs in America

@Augustus: Yes I'm a US citizen. I pay over $1,000 /month for family health insurance currently. This is the cheapest plan available where I live, and we're all young and healthy so we don't actually use it all that much. I'm surprised you only pay $800 /month. Seems pretty cheap to me. Perhaps I sh...
by M
Sun Feb 10, 2019 3:14 pm
Forum: Health Questions
Topic: Estimating Healthcare Costs in America
Replies: 29
Views: 3120

Re: Estimating Healthcare Costs in America

Hello Everyone! A lot of very good replies here. It looks like I'm not the only one who has thought about this question for a while. I'm beginning to think of my budget for healthcare in the same way I think about the early retirement goal itself, just on different scales. This is just another risk ...
by M
Fri Feb 08, 2019 4:17 pm
Forum: Health Questions
Topic: Estimating Healthcare Costs in America
Replies: 29
Views: 3120

Estimating Healthcare Costs in America

So I'm stuck in analysis paralysis land. I live in a Medicaid expansion state with a wife and three young kids. Early thirties, everyone is fairly healthy. I just finished adding up our spending for last year and it totaled ~$20,600. This is for everything EXCLUDING healthcare. We own our own house ...
by M
Thu Jan 05, 2017 7:20 pm
Forum: ERE Journals
Topic: M's Journal
Replies: 21
Views: 5890

Re: M's Journal

@farm_or lol at the neighbor. Many people think we are poor as well...and I never bother to correct them either because I dont want to sound like one of those egotistical snobs, etc. A "rich" person made fun of me once because i am "poor" because of how small my house is. I later found out that I bo...
by M
Tue Nov 22, 2016 3:54 pm
Forum: ERE Journals
Topic: M's Journal
Replies: 21
Views: 5890

Re: M's Journal

So it's time for my random periodic update. I now have: 316K taxable 113K 401k/IRA 19k HSA 30k - Rental property can be sold for at least this amount, but currently nets $300 /month in income. 140k - value of primary residence. Lots and Lots of stuff. I mean clothes, toys, bikes, tv's, furniture, ca...
by M
Fri Aug 26, 2016 8:31 am
Forum: ERE Journals
Topic: M's Journal
Replies: 21
Views: 5890

Re: M's Journal

@Josue I have done a variety of software development over the years, but my focus is .NET development. I'm actually in the bottom 10% in terms of pay where I work, and I live in a low COL area where developers are not paid as well as they are in California, New York, etc. I could definitely do bette...
by M
Wed Aug 24, 2016 1:16 pm
Forum: ERE Community
Topic: Post your MB Personality Type
Replies: 114
Views: 28370

Re: Post your MB Personality Type

Personality type: “The Advocate” (INFJ-T) Individual traits: Introverted – 60%, Intuitive – 81%, Feeling – 65%, Judging – 61%, Turbulent – 60%. Role: Diplomat Strategy: Constant Improvement "The Advocate personality type is very rare, making up less than one percent of the population..." Well this e...
by M
Wed Aug 24, 2016 12:35 pm
Forum: ERE Journals
Topic: M's Journal
Replies: 21
Views: 5890

Re: M's Journal

Well - the financial position has improved since my last update. I now have: Assets: +300k in taxable accounts +100k in 401k/IRA accounts +17k in HSA +Old house which is still netting ~$300 /month after taxes, maint, etc +140k paid off primary house +Two paid off vehicles +More stuff than I will eve...
by M
Fri Jan 22, 2016 11:34 am
Forum: ERE Journals
Topic: M's Journal
Replies: 21
Views: 5890

Re: M's Journal

Hmm...So it's been a year now. I guess I should provide a more useful update instead of more ranting about nonsense, lol. I really suck at maintaining a journal. I bought a new house this year. A 2,800 square foot McMansion, in cash. I know this will derail my ERE (ER?) goals quite a bit, but this w...
by M
Tue Jan 06, 2015 8:36 pm
Forum: Lifestyle Questions
Topic: What's the point of carpets & vacuum cleaners?
Replies: 5
Views: 1731

Re: What's the point of carpets & vacuum cleaners?

All things being equal I prefer carpet because it's warmer when you walk on it barefoot in the winter time and it doesn't hurt as much if you fall. Also if you drop something fragile onto carpet it's less likely to break than, say, tile. But taking into account maintenance and economics I prefer har...
by M
Tue Jan 06, 2015 8:19 pm
Forum: Lifestyle Questions
Topic: Tips for sleeping in a cold room?
Replies: 35
Views: 7650

Re: Tips for sleeping in a cold room?

After rereading my post I should probably mention that the whole reason I heat the whole house and cool the whole house is because it's a very small house and I have a wife and two children. When you have children the last thing you want is them explaining to the teacher how it's 40 degrees INSIDE o...
by M
Mon Jan 05, 2015 7:59 pm
Forum: ERE Journals
Topic: M's Journal
Replies: 21
Views: 5890

Re: M's Journal

I guess I should update this journal every now and then. :-P So I've been spending a lot of money over the past few months. My taxable investments have only increased to around 310K and my 401k is now around 20k or so. Everything else is mostly the same. I've been thinking a lot lately about WHY peo...
by M
Mon Jan 05, 2015 6:48 pm
Forum: Lifestyle Questions
Topic: Tips for sleeping in a cold room?
Replies: 35
Views: 7650

Re: Tips for sleeping in a cold room?

Californians! Don't turn down the heat! Learn from the people of the North! Currently it is 10 degrees outside where I live with a 0 degree wind chill. My house is 78 degrees inside. My entire house is heated by three space heaters on low ~1500-2000 watts total when they are all on. This is the most...
by M
Sat Aug 23, 2014 8:57 pm
Forum: ERE Journals
Topic: M's Journal
Replies: 21
Views: 5890

Re: M's Journal

@C40 Yes - I've considered taking this approach. My wife is completely on board with my plans, so this is a big plus for me. She grew up poor, so somewhat ironically our frugal lifestyle is still more luxurious than the life she had growing up (We have internet, our bed is new, we can afford to eat ...
by M
Sat Aug 23, 2014 9:20 am
Forum: Housing Questions
Topic: Mortgage math does not add up.
Replies: 7
Views: 3384

Re: Mortgage math does not add up.

Out of curiosity, does the 1k /month mortgage payment include property taxes and home owner's insurance? Even if you pay off the mortgage, these other things may not go away, so your real savings may be significantly less. than 1k /month..
by M
Sat Aug 23, 2014 9:06 am
Forum: ERE Journals
Topic: M's Journal
Replies: 21
Views: 5890

Re: M's Journal

@George I was wandering more about whether I would be covered by the Medicaid expansion, which was part of Obamacare. From what I have read there are no asset tests, and it's only based on MAGI. If I were to quit my job and my MAGI was 10-12k, would I be covered by this even though I have >300k in a...
by M
Tue Aug 19, 2014 8:01 pm
Forum: ERE Journals
Topic: M's Journal
Replies: 21
Views: 5890

M's Journal

So - I lurk here a lot. I've posted a few times. I suppose that it's time that I contribute something meaningful, like a journal. First the stats: ERE Pros: 28 year old physical body, in average shape (I think I would be considered overweight and out of shape in most countries, but in America most p...
by M
Thu May 15, 2014 6:34 pm
Forum: ERE Community
Topic: programmer needed
Replies: 14
Views: 5511

Re: programmer needed

@vivacious I've been developing software for the past decade in a wide variety of settings for a wide variety of companies, customers, etc, on a variety of platforms utilizing various programming languages. My consulting rate is $85 /hour. After you pay me upfront for the development costs, we can s...