I think retirement is a pipe dream...

Bleu Raeder said
I hope so.

MBR just informed me that I'll need to apply for Medicare in November even if I am still working. Which I will be. For a long time.

I did take a look at monthly expenses and even with my current mortgage, I could probably do it for around $6k/month. Less, if I am more frugal. But the issue with that is utilities (we had a ridiculous rate hike late last year), groceries and other things will not hold steady. If I am spending $300 on groceries now, what will that be 5 or 10 years from now?
Click to expand...
I get it , the reason I'm still working is for the insurance , my wife is only 19 days younger than me so we'll both be able to get on Medicare and a reasonable supplement insurance. Honestly , any recommendations on a supplement policy and any suggestions on what to do with my 401K ( we do also have a separate savings account ) would be appreciated !