Unless you are assuming worst case (ACA legal max out of pocket) you are vastly overpaying for health insurance. Average in NY is under $500. https://www.eheal

Unless you are assuming worst case (ACA legal max out of pocket) you are vastly overpaying for health insurance. Average in NY is under $500. https://www.ehealthinsurance.com/new-york-health-insurance https://www.ehealthinsurance.com/new-york-health-insurance Also, you might look into state funded elderly care support. Saved my family thousands a month for my dad in assisted living in FL.