4 ms·

90%+ chance the person you are replying to has health insurance that will cover them in case of medical disaster.

glimshe 7mo ago
I absolutely have health insurance, the most expensive available on my state. That doesn't protect me 100%, but what health insurance (including the ones available at most companies) does? People who have poor money management skills believe that FIRE=Ramen and no health insurance... In fact, it's about getting a 30K car (the one I bought new 3 years ago) instead a 70K car despite having the money.
- mattmanser 7mo ago
  99% of people have poor money management skills? It's statements like this that makes FIRE a fringe scene.
  - scottyah 7mo ago
    you're saying 99% of people think FIRE = ramen? I doubt that many even have heard of it
- raw_anon_1111 7mo ago
  And what happens when the Republican Party gut the ACA and you have a pre-existing condition. Do you know what life was like trying to get insurance with a pre-existing condition before 2012?
  - scottyah 7mo ago
    Then they can just skip insurance. Most people don't need it, especially if they already have a lot of money (which is what FIRE means)
    - raw_anon_1111 7mo ago
      Obviously said by someone who is young and never had or knew anyone that had an expensive medical procedure like a friend who is 45 who I have known since 2003 and is a cancer survivor and now has to have open heart surgery
      - scottyah 7mo ago
        I don't believe your friend is most people. I have quite a few who haven't been to a doctor in decades.
        raw_anon_1111 7mo ago
        But do you want to take the chance that you will never have major medical expenses between the time you retire early and you are 65 and eligible for Medicare? How many of your friends are over 50?
        scottyah 7mo ago
        Very few, I am just saying that you can sign up when you think the risk hits your threshold. I'm mid 30s and wish I hadn't had to pay the last 10yrs. Honestly, until you have ids it's unlikely you'll use it and even less likely that you can't sign up for it before a major operation.
        raw_anon_1111 7mo ago
        Yes you should try to time a major medical issue or accident during the open enrollment window. You should also not have car insurance until you think you might have an accident
        hn_acc1 7mo ago
        So, in your 30s? My parents both had cancer in their late 50s/early 60s (including surgery / chemo) - and paid like $15 for some pain meds in Canada. Even on a pretty good Kaiser plan, we're paying $200+ per day in the hospital, etc. On a high-deductible, more. They say they have a $1M annual limit, but that they've never enforced it. I hope we never have to find out.
- heathrow83829 7mo ago
  i think you can get a pretty decent prius from 5k to 10k and a fantastic nearly brand new tesla model 3 for 17K. That's what i did. it was 8 years old, practically brand new, FSD prepaid included! it drives me to work and i only paid 17K for it!

I absolutely have health insurance, the most expensive available on my state. That doesn't protect me 100%, but what health insurance (including the ones available at most companies) does? People who have poor money management skills believe that FIRE=Ramen and no health insurance... In fact, it's about getting a 30K car (the one I bought new 3 years ago) instead a 70K car despite having the money.

mattmanser 7mo ago
99% of people have poor money management skills? It's statements like this that makes FIRE a fringe scene.
- scottyah 7mo ago
  you're saying 99% of people think FIRE = ramen? I doubt that many even have heard of it
raw_anon_1111 7mo ago
And what happens when the Republican Party gut the ACA and you have a pre-existing condition. Do you know what life was like trying to get insurance with a pre-existing condition before 2012?
- scottyah 7mo ago
  Then they can just skip insurance. Most people don't need it, especially if they already have a lot of money (which is what FIRE means)
  - raw_anon_1111 7mo ago
    Obviously said by someone who is young and never had or knew anyone that had an expensive medical procedure like a friend who is 45 who I have known since 2003 and is a cancer survivor and now has to have open heart surgery
    - scottyah 7mo ago
      I don't believe your friend is most people. I have quite a few who haven't been to a doctor in decades.
      - raw_anon_1111 7mo ago
        But do you want to take the chance that you will never have major medical expenses between the time you retire early and you are 65 and eligible for Medicare? How many of your friends are over 50?
        scottyah 7mo ago
        Very few, I am just saying that you can sign up when you think the risk hits your threshold. I'm mid 30s and wish I hadn't had to pay the last 10yrs. Honestly, until you have ids it's unlikely you'll use it and even less likely that you can't sign up for it before a major operation.
        raw_anon_1111 7mo ago
        Yes you should try to time a major medical issue or accident during the open enrollment window. You should also not have car insurance until you think you might have an accident
      - hn_acc1 7mo ago
        So, in your 30s? My parents both had cancer in their late 50s/early 60s (including surgery / chemo) - and paid like $15 for some pain meds in Canada. Even on a pretty good Kaiser plan, we're paying $200+ per day in the hospital, etc. On a high-deductible, more. They say they have a $1M annual limit, but that they've never enforced it. I hope we never have to find out.
heathrow83829 7mo ago
i think you can get a pretty decent prius from 5k to 10k and a fantastic nearly brand new tesla model 3 for 17K. That's what i did. it was 8 years old, practically brand new, FSD prepaid included! it drives me to work and i only paid 17K for it!