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Reply to "I said we can’t retire yet. Am I wrong?"
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[quote=Anonymous][quote=Anonymous]Since you don’t want to decrease your spending, you do not have enough to retire now. I wouldn’t down shift either, since you are the one who doesn’t want to lower your expenses. Keep the status quo for a year and reassess then. If your DH really wants to retire. Have both of you keep working, but lower your savings to match your spending, including anticipated healthcare costs and see if you can deal with it for a year. At the end, your saving will be better and you will know if that is what you want to do. Also, plan for healthcare costs to increase substantially in the 60-65 range. The ACA is quite high for those ages. [/quote] Op here. DH spends too, not just me😛 I agree the ACA expenses down the road will be a lot and that is one of the biggest variables in our calculations. [/quote]
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