I think I just earned a free Apple iPhone 13 Pro. Sort of, anyway. It’s been 12 years since I got my first iPhone in 2008 and I’ve declined AppleCare coverage on every single phone upgrade I’ve had since then. That’s probably 5 different iPhone upgrades. AppleCare coverage is $10/month or a $200 flat fee. 156 months that have passed since I bought my first … Continue reading Free iPhone! (Sort Of)
I will be 68 years old in 2034. That’s the year that the latest Social Security budget forecast says it will start to run out of money and be unable to pay its full benefits. I will only have been receiving the benefits for 1 year at that point. Related: Social Security Running Out Sooner Than Expected It may not seem like an urgent matter, … Continue reading Social Security Waning
Last week I reached another milestone in my early retirement journey. I called the MegaCorp HR Service Center – for the first time in years – and started the enrollment process for retiree benefits. In 2021, I will turn 55 and become eligible to start tapping into the retirement benefits that I accrued over the course of my career. I worked at this MegaCorp for … Continue reading Ringing Up MegaCorp
Insurance is one of the things I certainly hate paying for. Health insurance, disability insurance, life insurance, and car insurance are all necessary to a degree, but it’s hard to pay for something you only use in a catastrophe. We’ve gradually dialed back our insurance coverage for things we can ‘self-insure’ the risk of. We have the highest health insurance deductible we’ve ever had and … Continue reading Up, Up And Insured
Since folks know that I write this personal finance blog, people have been interested in the financial side of the sudden surprise of my heart attack. While not all of the numbers are in yet, it looks to be less expensive than I thought. It seems like I often read about people racking up tens of thousands of dollars of medical bills when something serious … Continue reading How Much Did That Heart Attack Cost?
I think we’ve made it! The biggest concern that most early retirees have is how they will manage the cost of health insurance between leaving MegaCorp and gaining retiree benefits or Medicare eligibility. It’s a topic I’ve provided many updates on over the last 5 years because health insurance is an expensive and dynamic market. This is the last year of open enrollment where we … Continue reading Health Insurance – Open Enrollment