Tag: insurance

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QA12: Will A Life Of Financial Independence Meet Expectations?

We’re back to the digital mailbag to answer your questions!

For this week:

  • An update on markets and our personal finance situation
  • The role of dividends in growth and withdrawal assumptions
  • Expectations vs reality on a life of financial independence
  • Our experience with health insurance without employer-sponsored plans
  • Real estate investing: an update on our experiences and economics as remote landlords
  • Health insurance considerations for long-term travel
  • Short- to medium-term savings goals (like a house) versus saving for retirement
  • Loss of purpose without a traditional job
  • So much more!
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Some Fantastic News on Health Insurance Costs

Back in October, after the passing of Supreme Court Justice Ruth Bader Ginsburg, I wondered if healthcare was about to get a lot more expensive. Now, health insurance is about to be far more affordable for those of us at lower income levels.

The American Rescue Plan Act (ARPA) is a $1.9 trillion stimulus package, signed into law on March 11, 2021. And this thing is massive! Tell them Large Marge sent ya! Mainstream media has expectedly latched on to the $1,400 stimulus checks and the very generous extended child tax credit. However, the news bulging my eyeballs is the boost coming to the Affordable Care Act (also lovingly known as Obamacare).

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Is Healthcare Insurance About to Get a Lot More Expensive?!

With the passing of Supreme Court Justice Ruth Bader Ginsburg, the nation is thrust into an unexpected and incredibly time-sensitive debate on the future of the Supreme Court. The court is suddenly on a fast-track to a hard right turn, and hanging in the balance are pivotal social issues including abortion rights and healthcare programs. Relevant to us is the continued existence of the Affordable Care Act.

Other (understandably huge) social issues aside, changes in—or elimination of—the Affordable Care Act could mean colossal changes in the cost of healthcare insurance. What should we know and how can we prepare?

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When Being a One-Car Household Really Sucks

Right as all this coronavirus nonsense was ramping up, I was writing a really long post about what we were going to do with this new-found financial freedom. I was going to tell you about how (and why) we bought a new 2020 Toyota Tacoma in January. And then I was going to regale you with stories of our sweet little A-Frame camper, and solar, and batteries, and stuff. Oh, and then I was going to explain to you our plans for a super-rad road-trip across the country and all the adventure. Then came the coronavirus. Then I was rudely smacked by an absent-minded 27-year-old girl going 60 mph on the interstate while I was stopped. We suddenly went from one car to no car.

I think we all can agree how quickly life changes.

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