u/Wooden-Broccoli-913

1. Reduce portfolio risk as you approach a pre-defined FIRE number and age. Standard glide path

approach.

Pros: More certainty in hitting FIRE at a specific age
Cons: Takes longer.

2. Stay aggressively invested all the way until you hit your number, but run the risk of having the rug pulled out from under you at the last minute.

Pros: Get there faster
Cons: Not only the rug pulling, but also the risk of getting greedy and blowing past your number without pulling the trigger

Family of four in San Francisco, I priced out the local ACA HMO plan, and with an optimized AGI of $107k my annual premiums would be $4k and max out of pocket of $14k.

On the other hand, paying for COBRA on my low deductible corporate plan would be $36k per year with minimal out of pocket, and the tax deduction (on 7.5%+ of AGI) brings the effective cost down to $28k.

Seems like a no brainer to pay $10k extra for much better coverage and no need to switch our existing doctors? Can keep COBRA for 36 months here in California.

Anybody else who has FIREd maxed out their COBRA as a bridge in early retirement?