This is killing me, normally when this happens I up my 403B and Roth contributions as high as I can possibly stand. But now disabled and cannot contribute to retirement plans. I am so upset about this, I have to put it totally out of my head and not read any finance news, lol
this is how upset I was- I may have to have brain surgery down the line, I stupidly chose Cobra, my plan is cheap if you use the resources of the medical system I worked for. HR guy said, "just do Cobra until you feel well enough to pick a NYS plan, you have 60 days." That was fine, I was not anticipating brain issues. They happened. So all my neuro stuff has to be done at the competing hospital because we don't offer it to the level I need. I have my first test there tomorrow, $1500 +30% of total bill. I'm guessing brain surgery will probably be 10 times that if I can get a doc to let me do a drive by and not stay overnight, lol. Nearing day 60, I call NYS Market Place Plans, HR totally wrong, if you take Cobra at all, you cannot switch until Jan 1. Sucks, I better start saving to cover mounds of uncovered costs. But this sounded better:
So I have 18k left in an EF (not counting Roth principle), i actually researched ways to invest outside of retirement funds and figured I could safely put in 15k and post-pone the remote (I hope) possible brain surgery to Jan 1. Then I kinda thought about it and realized there probably is something bad going on up there if I could've come up with such an immensely risky, stupid plan.
enjoy the "sale"!