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[quote=Anonymous][quote=Anonymous]On a side note me included people are getting married late in life, have kids later in life and men marry women younger then they are.

Meaning when an average man turns 65 his wife will not be 65. So if he quits he had a very high insurance premium even if he is covered by Medicare.

Also when I was young my Mom did have a Fortune 500 job and her policy kicked kids off policy at 18 unless in College. And even if in college was something like 21 or 22 they kicked you off. Today it is 26.

When I turn 65 my wife will be 62 and my youngest will still be in college on my medical plan. My youngest plans to do grad school so will graduate when I am 68. My wife does not turn 65 till I am 67.5.

I will try to work till 67. Maybe a few months COBRA til wife hits 65 and buy kid a cheap college medical plan til she gets a job.

It is not just cost. It is quality of plan. Most people who work at a Fortune 500 company with Medical, Dental and Vision heavily subsidzed do not realize what is it like in real life once they retire in particular if before 65.

And I have two friends with second marriages. My one friend 63 with a 52 year old SAHM wife and a 6, 10 and 12 year old at home and he has heart problems. By time wife eligible for Medicare he will be 74. His youngest graduates college when he is 77.

In Europe he be fine. In the USA he has issues.      [/quote]

Well there is so much else to consider with that in the USA and elsewhere.  Like the fact he (or you) will be 70+ when your final kid is out of college.  If you choose to have kids later, you should be responsible and plan for all scenarios should you not be around to help them thru college.  [/quote]

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