It's $8,000 for the two of us, and in this case Medigap would only be needed to cover beyond the out-of-pocket limit, so the premiums should be less. And we do spend the money, most years meeting the deductible and a couple times the out-of-pocket limit.
Our insurance from my wife's employer seems reasonable with an in-network out-of-pocket of $8,000 and a deductible of $4,000. (Yes, we're using our HSAs as stealth Roth IRAs.)
I get the last drop out of a bottle, pouring the dregs of nasal spray or a spray bottle of "room spritz" into the new bottle. Liquid soap or shampoo get the upside down old bottle on top of the new bottle treatment for as long as it takes. My wife leaves me the almost empty toothpaste tubes for my stronger fingers.
Comments
Not much of a book reader myself, but I did give that one to my kids.
Post: FINANCIAL MISTAKES
Link to comment from October 8, 2026
I have a total return portfolio but the first money I spend is the dividends kicked out. If more is needed then I sell the fund with highest basis.
Post: Strategic Retirement Income
Link to comment from October 4, 2026
And it's amazing how little gets accomplished.
Post: Will Congress Wait Until the Last Minute on Social Security?
Link to comment from September 30, 2026
For me, being anonymous isn't worth the extra time and complexity.
Post: If you don’t think AI is powerful and scary, think again!
Link to comment from September 30, 2026
Yes, I think you need to distribute only what you need to spend, then convert.
Post: Sourcing Taxes for Roth Conversions
Link to comment from September 30, 2026
Rick, thanks for the rebuttal of #3.
Post: Widow’s Penalty Redux
Link to comment from September 27, 2026
It's $8,000 for the two of us, and in this case Medigap would only be needed to cover beyond the out-of-pocket limit, so the premiums should be less. And we do spend the money, most years meeting the deductible and a couple times the out-of-pocket limit.
Post: Keep an eye on Medigap policies
Link to comment from September 27, 2026
Our insurance from my wife's employer seems reasonable with an in-network out-of-pocket of $8,000 and a deductible of $4,000. (Yes, we're using our HSAs as stealth Roth IRAs.)
Post: Keep an eye on Medigap policies
Link to comment from September 26, 2026
I get the last drop out of a bottle, pouring the dregs of nasal spray or a spray bottle of "room spritz" into the new bottle. Liquid soap or shampoo get the upside down old bottle on top of the new bottle treatment for as long as it takes. My wife leaves me the almost empty toothpaste tubes for my stronger fingers.
Post: The Art of Making Do
Link to comment from September 26, 2026
Going thru my mother's papers, I've even replaced rusty staples.
Post: The Art of Making Do
Link to comment from September 26, 2026