I agree, health care is primary. I see a lot of people on the FIRE forums who are young and haven’t really looked into what insurance can cost in the years leading up to Medicare eligibility age. It’s the best argument for working until close up 60.
Personally, I’ve focused on finding a place I enjoy being, rather than optimizing for income and planning to retire ASAP.
Personally, I’ve focused on finding a place I enjoy being, rather than optimizing for income and planning to retire ASAP.