Are you are dreaming of an early retirement?

Just remember one challanging consideration is what you will do for health insurance after leaving your employer and before Medicare coverage starts.    COBRA plans  can be very expensive!  A good plan is to start funding the HSA or Health Savings Account while you are working.  Hopefully  your employer offers this plan as part of your group benefits.  The benefits of this program are HSA’s  are not subject to federal income tax at the time of deposit and the funds you contribute roll over and accumulate year to year if not spent. (As opposed to an employer owned  Flexible Savings Accounts where funds are lost if not used in the year)  You might also want to evaluate the benefits of a Long Term Care policy to help with the costs of a nursing home, assisted living or home health services.   Scott Insurance can help you evaluate these plans for your specific situation, and can also advise on Medicare Supplement plans once you do finally retire!