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Post by henrycpa on Jan 18, 2023 8:58:55 GMT -5
We been in the Marketplace for years now, always chose high-deductible plans, set up HSAs and just budgeted for the out-of-pocket max. If we end up spending less in a given year, we roll the excess funds into next year's pot. Can you share the cost (and I know it is by person so would be diff for us) your Annual cost on the HDP? |
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Post by grumpyinphilly on Jan 18, 2023 14:10:43 GMT -5
I'm now on Medicare but my wife still gets insurance thru the Marketplace. Her premium is $280 / month (it is dependent on income level) and her out-of-pocket max is $7450. Since it's a HD plan she would pay all expenses up to the OOP max.
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wdw72
Waiting on ROFR
Posts: 3
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Post by wdw72 on Jan 19, 2023 10:43:01 GMT -5
72 years old and retired for a couple of years. Although we sold our original OKW points during the pandemic, we still go 2x/yr in spring and fall for 7-9 days with our points in 1 bedrooms at GF and BLT. It's nice having the washer/dryer and full kitchen. If we lived closer than Maryland, we would probably do shorter trips and more stays.
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Post by Wiltony on Jan 19, 2023 12:00:01 GMT -5
Congrats to all of you who are retired or who are close to retirement! I’ll be trudging along to work for at least the next 13 years. DH and I do talk about retirement in FL and have chatted a bit about purchasing a condo sooner than later and renting it out until we are ready to use it but right now it’s just a vision for the future. I feel you! I'm 44 and plan to retire at 58, so I've got 14 to go myself. Would like to figure out how to do it earlier, but I've got a lot of kids so I don't have much flexibility. Wife and I have also had that exact conversation about maybe buying a place now, but realize it would probably be more of a headache to buy, manage, rent out, etc. and the landscape of things might look a lot different by then, so we should probably just wait. |
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Post by wdw1972 on Jan 22, 2023 13:22:46 GMT -5
Great thread - very interesting reading!
I'm already in Florida (since 1986), planning to retire in just under 5 years. Hubby will retire in a year. We've already transitioned to the annual passes that are only good Mon-Fri, and I expect that to continue. When I retire we'll return to our home in SW Florida & will be 3 hours away from WDW. My favorites are the festivals at Epcot - could really not bother with MK or Studios at all & be quite happy. AK we like a couple things. I don't see myself spending a month at WDW, but depending on the time of year, resort, and studio vs 1 bedroom villa I might do 12 nights - Sun through the 2nd Thursday or Friday. In my opinion the point difference on the weekends isn't significant enough to make me check out. Wish that was true in Hilton Head, though! Hilton Head will be a long 8-hour drive once we retire, so I'd really prefer to spend more than the 5 cheap nights there. Might consider a trade through RCI or whatever it is currently. In retirement I plan to do more HAL cruising too - longer cruises.
Sue/WDW1972
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Post by a1000monkeys on Jan 22, 2023 16:02:09 GMT -5
I'm enjoying this thread. I was just thinking today that when BWV expires, I may need more points. At that point I'll be 72 and hopefully we'll have grandkids and I'll probably be slowing down from more adventurous travel.
I had thought about moving to Florida but I think I have nixed that idea. For one, its no longer cheap. Second, I really dislike hot and humid weather so I would likely only want to go for a few months. Lastly, I don't think I would like living in Florida. Instead, I'll keep it as a vacation destination.
I'm 52 now and I'm not likely to retire until my youngest graduates high school which is five years away. Also, I have a big dog that is still at least 5-6 years away from crossing the rainbow bridge and it is a challenge to find affordable boarding. That is compounded by the fact that my daughter convinced me to adopt two small dogs during our year of Covid shut-in.
Those little buggers will probably live forever but it's easier to find sitters for them as they are relatively low maintenance.
I don't really need to escape cold weather here in the Bay Area (the weather has been gorgeous since it stopped raining last week) but will probably seek slightly warmer locales in the winter months. It's about the same distance to Hawaii as it is Orlando and once I'm not bound by the school schedule we can get inexpensive flights to either location.
Like Brp, I plan to chase mileage status so we'll probably take several one-week trips alternating between Hawaii and Orlando and longer trips to Asia and maybe Europe in the spring. I may be in the market for HGVC points and/or more DVC points in a few years. If it were up to me I would sell everything and become a nomad but DW wants to maintain a home base and always have a home the kids can come back to. As usual, she is right and having a home base does make a lot of other dilemmas (such as insurance and doctors) more manageable.
We still have time to figure it out.
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Post by Kerri jo on Jan 22, 2023 20:05:09 GMT -5
With the points we have right now, I will have taken 9 different trips to WDW and AUL between April 2022-April 2023, and I'm not near retirement yet! We consider it retirement practice or field testing right now  . Living in a cold weather state, we expect to continue vacationing as we have been, with Disney-related trips in the winter months and Europe in the spring/summer. Once we retire, we plan to keep our current family home as a base (same as a1000monkeys and family) and will likely sprinkle in a few more AUL and possibly WDW stays during the winter months (we typically visit AUL in December, March or April, and WDW between November and April). I could also see us making a return to HHI for a week or two in the summer, especially if the contract gets extended beyond 2024. |
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Post by henrycpa on Jan 23, 2023 11:11:44 GMT -5
Life can throw us curveballs..
All of a sudden I am reevaluating my Beach Condo as we just received a pretty large assessment and looks like they will continue for the near future (5-7 years). Not unexpected in a 40 year old facility but when thinking about fixed income living that type of unknown is not ideal....
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Post by a1000monkeys on Jan 23, 2023 11:56:58 GMT -5
Life can throw us curveballs.. All of a sudden I am reevaluating my Beach Condo as we just received a pretty large assessment and looks like they will continue for the near future (5-7 years). Not unexpected in a 40 year old facility but when thinking about fixed income living that type of unknown is not ideal.... Ouch. How much time per year do you spend at the condo? |
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Post by henrycpa on Jan 23, 2023 12:12:58 GMT -5
Life can throw us curveballs.. All of a sudden I am reevaluating my Beach Condo as we just received a pretty large assessment and looks like they will continue for the near future (5-7 years). Not unexpected in a 40 year old facility but when thinking about fixed income living that type of unknown is not ideal.... Ouch. How much time per year do you spend at the condo? Right now I am there about 20 days per year. I can work from there most of those days. The Wife and Daughter are there more often. But, the plan was to retire there for at least part of the year here in 6 years or so...but that would be planned fixed income so "uknown" assessments are kind of scary. |
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Post by nrspepe on Jan 23, 2023 17:33:53 GMT -5
DH retired last year. I plan to be done sometime in the first half of next year. We do plan to spend a good amount of time with Disney in 2025 and beyond. Right now we go for 5 days a few times a year…unless family vacation. They are longer. We enjoy all the resorts (WDW, HHI, VB, Aluani, and DL). So many choices. We just missed a large VB contract with subsidized dues. That would have helped in obtaining our retirement goals. Lots of points and reasonable dues.
DH will be 87 in 2042. We will have 260 points after that. I am sure our travel plans will have slow on by then. Should work out just fine.
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Post by tessa on Jan 24, 2023 16:30:53 GMT -5
I love this thread. Thanks for posting it!
I am 2.5 years from retirement and I thought I would like to spend a month in a DVC studio or one bedroom in January every year. But now I think that might not be the best plan for me. Reading what others have to say is very interesting. I used to want to retire to Florida, but I just can't picture myself there.
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Post by sawickipedia on Jan 25, 2023 0:39:19 GMT -5
we've bought enough points to stay 4 times per year - we upped the pts to allow for 1br's and then of course grand kids hopefully come some day - we love the epcot festivals and plan to rotate thru them. Like brp we get tired of Disney after so many days so multiple trips per year vs one big one. the kids go off to college in a couple of years so our empty nesting visits will start as soon as they are off - DW and I can't wait! |
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Post by henrycpa on Jan 25, 2023 8:28:04 GMT -5
I love this thread. Thanks for posting it! I am 2.5 years from retirement and I thought I would like to spend a month in a DVC studio or one bedroom in January every year. But now I think that might not be the best plan for me. Reading what others have to say is very interesting. I used to want to retire to Florida, but I just can't picture myself there. I have to say the last year or so has made me question that month or so as well. I can still seeing us do resort only stays but really some of the decisions around the parks makes the visits so less enjoyable. To the point even my DW asked the other day if we should sell all but 200 points and use the money to pay down our mortgage or even sell current beach condo and look for a bigger. One thing has me holding off however. II tradeouts (see my input on other threads). It looks like in most off seasons you can turn DVC points into some nice accomodations. In Sicily is there really an off season? St. Thomas? So, all of a sudden I am looking at DVC trades into II for January! |
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Post by bakerworld on Jan 25, 2023 11:32:29 GMT -5
One of our DVC point retirement uses will be to stay places that cost a lot of points, like the SSR Treehouse and the CC Cabins. The CC Cabins would take 2 years worth of our points but it might be worth it... maybe. LOL
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