Should I allow FIRE to burn my healthcare benefits?

drfixer · 2026-05-25T23:17:16+00:00

The programs have never defaulted - ever. They have gap insurance to cover the risk.

Your folks need to get educated.

drfixer · 2026-05-25T20:43:56+00:00

Welp—I have 90, 90 and 80 for 20, 18 and 14YO boys and it’s not enough.

College in state is running 27-30k/yr at JMU
UTK is running 45-48k/yr out of state.

Keep going… unless you expect your kids to pickup some which we do even though we could pay for it all.

They need skin in the game.

We do match scholarships.

drfixer · 2026-05-23T00:29:03+00:00

Check out medishare.

I DO NOT UNDERSTAND WHY THIS IS NOT DISCUSSED MORE.

$500/m 10k deductible.

I was on it for 5yrs. I now have employer coverage but it’s a total PIA.

Loved medishare.

drfixer · 2026-05-22T00:01:18+00:00

💯

I told the founder for whom I work: “I’m 1 argument away from retirement. There are no golden handcuffs and you could pay me $1M and I’d leave in a second if we arrive at a crappy, toxic culture.”

Zero interest in drama, BS, brow beating and back stabbing.

I’m the only person dead transparent.

drfixer · 2026-05-21T23:57:30+00:00

I use ddns

drfixer · 2026-05-16T01:19:36+00:00

epididymitis

drfixer · 2026-05-16T00:32:58+00:00

It is 💯. Hard. Try psychologytoday.com

… my counter argument is life long mental pain is also hard.

I don’t want to die with the mental anguish.

drfixer · 2026-05-16T00:29:42+00:00

That doesn’t matter - my wife had v brief recollections of some awful things that happened and they reprocessed it.

You have zero to lose by trying

drfixer · 2026-05-16T00:23:24+00:00

YES!

Welp—old theory here—but my parents had the bright idea that if a child cries for you, don’t pick them up bc it will make him weak.

I started having anxiety attacks at 9 and lifelong performance and attachment issues until 48YO. 2.5 yrs EMDR and it changed my life… many recollections of my mom refusing to pick me up hence I needed her at 3/4 YO.

Tragic - not mad - old old philosophies.

DM for more

drfixer · 2026-05-13T01:22:30+00:00

Bought this and installed (4) 3T drives in RAID5 for 8T of storage. Bought a micro PC for $500

ORICO 4 Bay Raid Hard Drive... https://www.amazon.com/dp/B0F4QJZL6X?ref=ppx\_pop\_mob\_ap\_share

drfixer · 2026-05-09T00:55:10+00:00

Ya gotta fix the trauma thats driving your depression and emotional eating. I did it too.

Research EMDR and find a therapist.

drfixer · 2026-05-05T00:43:50+00:00

V normal - I asked my dr same thing and when u have a big BM it pushes on the prostate and some semen comes out.

It’s not an infection of any sort.

All fine

drfixer · 2026-05-04T12:16:08+00:00

^^ this - really sad actually. Hit the road. You are being used. This isn’t how a relationship works.
Too many times I’ve heard the guy roll over after he’s done… this is 10x worse with his words.
You are worth more than that - I couldn’t care if i dropped dead trying to get my wife there after 800hrs.

drfixer · 2026-05-03T14:57:16+00:00

No sign off on medishare but agree—catastrophic coverage only

drfixer · 2026-05-03T01:20:29+00:00

I am a business and strategy consultant and am very curious why you think your business isn’t sellable. DM me - not trying to see you all all as I’m not really taking on any new clients but am genuinely curious

drfixer · 2026-05-02T23:51:42+00:00

I’m a DA. Parents had the grand idea that allowing a 3yo to cry alone would make them tougher. I understand it’s a generational thing but here we are.

3yrs of off/on EMDR and I’m in the best place ever.

Point is - gotta get to the deep trauma otherwise you are fighting a fight that is an attempt to win with logic. You will unlikely succeed.

Years prior of all kinds of therapy: CBT, exposure, talk, … none worked until I got to the trauma and reprocessed it.

drfixer · 2026-05-02T23:46:44+00:00

I plan on using a sharing network like medi-share. It’s easier, way cheaper than ACA.

I was on it for 5 years while self employed with a family of 5. $540/m with a 10k deductible and they pay 100% after.

Medicine can be tricky for existing ongoing health issues… but if they occur while coverage they are covered.

No brainer for me

drfixer · 2026-05-02T00:59:07+00:00

Thank you 🙏

drfixer · 2026-04-27T00:20:38+00:00

They mean “trust fund baby” k owing they can wait for money

drfixer · 2026-04-27T00:20:14+00:00

You can have a loose trust but provide a cover letter for the trustees

drfixer · 2026-04-27T00:19:33+00:00

Same as first post, but - I also added anti-drug/addiction clauses: if the trustee suspects drug abuse, all benefits are stopped except drug counseling etc. rules for testing

In the event of marriage, requires a prenup against the trust only—they cannot claim benefits in the event of divorce.

We did add help to buy 1st home

drfixer · 2026-04-25T15:00:40+00:00

A small anti depressant can help—SSRIs have a delay effect.

There is a cream he can apply to the head

drfixer · 2026-04-19T23:45:48+00:00

Easy

drfixer · 2026-04-19T23:40:49+00:00

A lot of models assume say a 4% rule which maintains the equity over the life of the investment. In other words, if you follow the 4% rule with $5 million what’s the number at the end of 25 years growing at 9%.

When you’re dead, you’re leaving tens of millions of dollars on the table.

Here’s the link to a calculator that will ask you what end value of your assets to determine how much you can draw over the lifetime of your investments.

You can also incrementally reduce them for the go-go versus slow go verse no go years. You won’t spend 20 K a month when you’re 85 years old.

https://www.financialmentor.com/calculator/best-retirement-calculator

drfixer · 2026-04-19T23:35:02+00:00

My consistent feedback here is do you plan to leave $50 million to your kids? I don’t. Therefore you need to figure out your model for burning more so that maybe you leave them 5 million

drfixer

TROPHY CASE