Good morning Zim!
I realize youare likely at work now, but I wanted to tell you that taking SS benefit at 62 would REALLY be a HUGE mistake due to the extreme penalty for taking benefits that early. You would lose over 35% of your monthly benefit which is a lot.
Look online for health insurance that is NOT healthcare government marketplace. LOTS of private health care plans available since Trump took office.
I got by on some very good short term plans that I just renewed every six months and could adjust the deductible and max out of pocket costs per person so it was pretty good and would help in case we actually needed it for something major like De had.
Cosdt was around $300 to $350 per month for TWO of us. A single plan would be much less.
Plus, today there are a lot more companies offering health plans that are not part of the poor government obamacare crap...
Trump has opened up this market again.. Private health insurance for self employed peopl...
LAst thought.
Have you considered looking for other work? My son in law has no problems finding different jobs and today lots of them are working from your home.. I would seriosly take the buyout and then lok for other opportunities. You may well find something else you like and better for you.
You're not too old and you are samrt. SOmething many younger Gen Xers can't say. Dumber than a box of rocks.
I am self emplyed consulting and also selling customers what they actually need and is better by far than what they had and costs a lot less.
This combination works well for me. You may enjoy that also. My office is across the hall from my bedroom.
It's a long way to work daily..... lol!!!
Seriously, while this is a bummer, try to see this in a different light. If they give you a decent buyout you have gained time to look for something different that would last you a few years until you are 66 when you can draw your full social security benefits which would then be deposited monthly into your account, and you can still earn as much as you want or don't want.....
You could have TWO soures of income then and really make some secure retirement investments....
I wish you the very best and good success Zim!
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