u/Fantastic_Question27

I've reached FI but feel too guilty about not being a productive member of society (contributing to goods services social fabric etc) to stop work. I tried taking long leave to get used to the idea of not having to wake up and go to a job every day and it leaves me feeling guilty when I look at my peers and family members who are still working so late and hard. Am I doomed to always work until I cannot anymore just because of my psychological makeup?

Hi all, wondering if anyone has tried projecting their medical insurance premiums especially in old age when it's needed the most. I'm holding an Ntuc income insurance plan for medical, am currently paying about $1k a year for it, and I'm in my 40s. I'm trying to plan how much I need to retire comfortably. Looking at the insurance price table and if I were 95 years old today, I would pay $11-12k a year. Can anyone tell me how to project this into how much I would need to pay at age 95 about 50+ years from now?

I have tried things like 7 pct year on year inflation which turns the premium at age 95 into $396k. This is astronomical and at these rates it's probably more convenient to just die. I don't know how anyone working today could ever save enough to pay premiums of 300-400k at age 90 annually. Something must be wrong with my math, but I cannot figure how to project this correctly. Help me please?