Question: I’m 62, married, and have spent my entire career diligently saving. Between maxing out my 401(k) and consistently funding my Health Savings Account (HSA), I’m confident we’ve hit our "number." My kids are independent, and I’m ready to reclaim my time.
However, my wife is hesitant; she wants me to wait until 65 for the health care safety net of Medicare. She’s terrified that an unexpected medical crisis or the cost of private insurance will drain our life savings.
