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Post by MoBuckChaser on Feb 17, 2019 7:11:43 GMT -6
Going from MN to arizona I save very little.
Edit: your map is off, we pay $1350/month for 2 of us in mn
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Post by chummer16 on Feb 17, 2019 7:14:17 GMT -6
Those premiums don’t included deductibles and co pays. Add another $5-10k annually.
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Post by chummer16 on Feb 17, 2019 7:16:55 GMT -6
Going from MN to arizona I save very little.
Edit: your map is off, we pay $1350/month for 2 of us in mn
Map isn’t off, it is an average. Don’t forget you have to pay for all the dead beats that pay nothing.
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Post by MoBuckChaser on Feb 17, 2019 7:19:23 GMT -6
Going from MN to arizona I save very little.
Edit: your map is off, we pay $1350/month for 2 of us in mn
Map isn’t off, it is an average. Don’t forget you have to pay for all the dead beats that pay nothing. Yep, how could I have forgot about all the scum bag mother fuckers.....My Bad!
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Post by Sandbur on Feb 17, 2019 7:43:54 GMT -6
Going from MN to arizona I save very little.
Edit: your map is off, we pay $1350/month for 2 of us in mn
Could be worse than 1350, but my wife and I are older and I don’t think we need to pay 30% after deductible. My wife worked in health care and insurance for years and it was/is a mess with what is charged.... unless you are with a company that has a special agreement for much lower prices, unless you are under a government program that only pays so much, unless.... and it just goes on and on.
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Post by Freeborn on Feb 17, 2019 8:06:54 GMT -6
In between all the customers yesterday I started reading up on what you need for retirement. With all the different info out there, some say 75% of your wages, some say 85% some say 90%. I think I will need 100% of my yearly income or more, unless I make some major changes in my lifestyle. Expenses right now are about $60K per year with everything from health care to gas for the vehicles and everything in between for us. So I need at least $85K per year pre tax just to survive before inflation. If true inflation is 5-7% per year right now I don't want to figure what I will need in 10 years to live. How about 20 years? Maybe I need to rethink my 2 year plan to sell out and retire. Am I looking at this wrong? Remember when you retire you don't need to save anymore so take the amount your saving each year and take it off the top. Maybe keep the seed business until Medicare? I believe the Cuda is younger than you, Arizona is full of seniors who need assistance, seems like a part time or full time job would be easily obtainable. Work enough to cover health insurance and some spending money. Instead of complete retirement, partial retirement until you have a better feel of retirement costs. We are thinking about keeping one foot in the working world just because we don't know what to expect.
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Post by Sandbur on Feb 17, 2019 8:17:55 GMT -6
In between all the customers yesterday I started reading up on what you need for retirement. With all the different info out there, some say 75% of your wages, some say 85% some say 90%. I think I will need 100% of my yearly income or more, unless I make some major changes in my lifestyle. Expenses right now are about $60K per year with everything from health care to gas for the vehicles and everything in between for us. So I need at least $85K per year pre tax just to survive before inflation. If true inflation is 5-7% per year right now I don't want to figure what I will need in 10 years to live. How about 20 years? Maybe I need to rethink my 2 year plan to sell out and retire. Am I looking at this wrong? Remember when you retire you don't need to save anymore so take the amount your saving each year and take it off the top. Maybe keep the seed business until Medicare? I believe the Cuda is younger than you, Arizona is full of seniors who need assistance, seems like a part time or full time job would be easily obtainable. Work enough to cover health insurance and some spending money. Instead of complete retirement, partial retirement until you have a better feel of retirement costs. We are thinking about keeping one foot in the working world just because we don't know what to expect. My wife is seven years younger than me and she intends to work for awhile. Currently she has no health care coverage where she works. Ag land rental will also help us out.
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Post by Bwoods11 on Feb 17, 2019 8:44:37 GMT -6
So Art when you were in high school you were scoping out the sixth graders!! You dog!!
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Post by MoBuckChaser on Feb 17, 2019 8:46:31 GMT -6
In between all the customers yesterday I started reading up on what you need for retirement. With all the different info out there, some say 75% of your wages, some say 85% some say 90%. I think I will need 100% of my yearly income or more, unless I make some major changes in my lifestyle. Expenses right now are about $60K per year with everything from health care to gas for the vehicles and everything in between for us. So I need at least $85K per year pre tax just to survive before inflation. If true inflation is 5-7% per year right now I don't want to figure what I will need in 10 years to live. How about 20 years? Maybe I need to rethink my 2 year plan to sell out and retire. Am I looking at this wrong? Remember when you retire you don't need to save anymore so take the amount your saving each year and take it off the top. Maybe keep the seed business until Medicare? I believe the Cuda is younger than you, Arizona is full of seniors who need assistance, seems like a part time or full time job would be easily obtainable. Work enough to cover health insurance and some spending money. Instead of complete retirement, partial retirement until you have a better feel of retirement costs. We are thinking about keeping one foot in the working world just because we don't know what to expect. Wife and Me are sitting here having coffee talking about the very things you have listed. I can sell prebuy in the seed and chemical business from arizona. If I stop the practice of delivering direct to the farmers, I may lose a few customers, but will keep me down south a month or two longer. Won't have to come back until April. Run it until Sept and be back in Arizona After the Rut. So that may just work. The wife also noticed a brand new Assisted Living home being built inside the gates of Pebble Creek. She will still have her license to push pills at the assisted living she works at now and Since those places are always looking for help, she could work part or full time as needed or if needed and its a golf cart ride from the house. But my biggest problem has been my giving money away. I almost always buy the beer at the bar. Almost always pick up the tab for lunch or dinner. Always tip between 50-100% of the meal, and Donate to more charities then I can count. That will have to change, and I don't know if I am ready to change that part of me yet.
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Post by Sandbur on Feb 17, 2019 12:52:47 GMT -6
So Art when you were in high school you were scoping out the sixth graders!! You dog!! Nope, I scoped out the farmer’s daughters and found a good one!
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Post by Tooln on Feb 17, 2019 14:46:12 GMT -6
Not ong ago I googled the best state to retire in. It took in health care cost, housing, tax's, everything into consideration. #1 was SD.
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Post by Freeborn on Feb 17, 2019 18:02:25 GMT -6
Going from MN to arizona I save very little.
Edit: your map is off, we pay $1350/month for 2 of us in mn
Getting to the real number is probably impossible. I wonder if the MN numbers includes the reinsurance part of Minsure which is the bye down of premiums by the taxpayers. Rather than solve problems like cost of insurance politicians treat the symptoms and abuse taxpayers. What a mess.
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Post by Sandbur on Feb 17, 2019 19:23:44 GMT -6
Going from MN to arizona I save very little.
Edit: your map is off, we pay $1350/month for 2 of us in mn
Getting to the real number is probably impossible. I wonder if the MN numbers includes the reinsurance part of Minsure which is the bye down of premiums by the taxpayers. Rather than solve problems like cost of insurance politicians treat the symptoms and abuse taxpayers. What a mess. And each new program demands more government employees to administer it. Then you need people to check and recheck the paperwork, not too mention supervisors.
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Post by buckvelvet on Feb 18, 2019 8:29:09 GMT -6
Is it bad when someone says they invest like $40k a year and that's not to far from what you make a year? LOL..........
I guess life for people is a bit simpler around where I live. I really enjoy conversations like this as it puts into perspective for me what is possible when you make a lot of mullah........
I ate a hot dog once...
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Post by buckvelvet on Feb 18, 2019 8:44:54 GMT -6
Small chunk, you can still make retirement. Start saving for it right away. Be conservative, but enjoy life along the way. I have to say that the numbers in the above posts scare me. I am very, very short on the dollars mentioned above. I hope my planner knows what he is doing.Either way, I can’t keep doing what I’m doing. Back pain says it has to end. I have teacher friends that retired 7 or 8 years younger than me. Paid health insurance is a big plus. The numbers should scare everyone. Health care is a scam on the tax payers. No reason us idiots should pay these high premiums and deductibles when all the others low lives get access to the same treatments without paying. I have a few teacher friends that are retired. They are not living high on the hog. They survive but don't do many extra things. But will admit, they never worked any extra jobs to get ahead for their retirement. Average work days for teachers in a classroom is 170-180. That leaves 185-195 days to better themselves for the future. No one to blame but them selves if they sit around 195 days a year. I don,t think that is small chunks style.
You are right, I am a health insurance agent. Michigan is in the federal system for subsidy dollars for individual health pre-65. Then we joined the national movement in 2014 and raised our poverty level to 138% to get more people covered my medicaid. People that work full time and still need help (i'm in favor of, there are good people that work and still need some help) the sob's that don't do anything but play video games in their homes and we pay for their lodging, food, & healthcare is B.S. There are people that use bridge cards here that buy steak. Coarse they can use that same card at McDonalds now.........WTF!
Health care in our country is a complete mess.
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