> health insurance always keeps me from never going a day without being employed. There's no way to cap the actual health care costs, but the health insurance

> health insurance always keeps me from never going a day without being employed. There's no way to cap the actual health care costs, but the health insurance is about 30k/year for a family of 4 on COBRA. That is a lot or not depending on how your job is affecting your health. I'm right now spending a year off work and leaving my job has definitely improved my life more than paying me 30k would (of course, there are other expenses too - it's like a 120k/year burn rate in the bay area). My father ended his life from issues related to work stress (it had to do with violent naxal robberies and being personally threatened, but still no sleep for 3-4 days messes you up), so I might have a very skewed point of view on this, but the lesson was to never take the "retire and do hobbies at 60" for granted & to draw-down the financials into time spent when you can keep up with your kids on shared things.