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[quote=Anonymous]I am a dentist. I pay $1280/yr in disability insurance. HHI: 220K (we basically each earn the same) Take home (after maxing out husbands 401k and health insurance costs) roughly 10k/mo 99k school loan - 1200/mo payment (is $900 but I pay more) 150k home equity maxed out - $600/mo payment 285k left on mortgage (12 years left on 15 yr mortgage) - ~3K mo/ payment 1300/mo kids tuition 1200/mo to my SEP Ira 400/mo car payment Utilities inc phone ~400/mo Food- ~ 600/mo Do I ditch the disability ins and chance it? Could we make it work God forbid something happens? And what really are the chances of something happening? My husband says ditch it - we could always refinance mortgage, stop my IRA (which if I wasn't working I wouldn't be eligible for anyway) Public school for kids, etc. What say you, DCUM? [/quote]
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