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The week's question
In December 2024, in the thread "Re: BRK: Why Not XOM?", BreckHutHigh asked the members: "What about the long road trips with kids?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Personal Finance / Macroeconomic Trends & Risks
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Author: FlyingCircus   😊 😞
Number: of 4460 
Subject: Re: The envelope please
Date: 12/12/25 1:12 PM
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My non-ACA HD plan, solo, also offered on the exchange went up over 15% to $720/mo. With a $7500 deductible and a cool $10K annual OOP max. We are slightly over the limit for a subsidy because I have to cover our living expenses with SS and a moderate pension. Only used pre-tax 401Ks and traditional IRAs for retirement savings, so no opportunity to use intercst's long-noted coool approach.

Medicare charge for DW up 9.7% to $203. Like Goofy said, a 2.8% inflation increase in the face of that, doesn't work.

Our dental insurance is going up to $110/mo for the two of us for a cleanings-only plan with 50% xray.

Oil still priced at $3.70 a gallon despite prices at the barrel down 23% YOY.

Grocery prices... hahahaha.

But wait, we can COMPLETELY BELIEVE the posted TTM inflation number of what is it, 3%?

We should be running FIRESim calculations with twice the inflation rate.

It's distressing to think after 40 years of saving and living slightly below our means with good salaries, it's not SORR or a "significantly below market average rate of return" that's going to keep us working into our 70s, it's our broken system.

FC
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