I signed up for COBRA today, which was one of the big bits of Adulting I still needed to do with regards to my retirement. For those of you unfamiliar with it, COBRA allows you to maintain the health insurance coverage that you had at a previous employer. You have to pay for all of it yourself, rather than the (extremely) subsidized rate that most companies offer, so many people don’t opt for COBRA. Instead, they go with personal insurance from one of the exchanges or–depressingly often–opting for no insurance at all. Fortunately I can afford the extra expense, so I’ll be sticking with COBRA at least until the next ACA enrollment period.
When I’m a little more comfortable with the format of this blog and the state of the readership, maybe I’ll go on a long rant-slash-ramble about how utterly ridiculous it is that the number one deciding factor in my early retirement was the state of the gorram healthcare system here in the United States, not anything so practical as amount of money saved or whether I was ready to retire. But not today.
Before I actually made the commitment, it was easy to think of retirement as a sort of bright line, a single Rubicon to cross: one day you’re working and the next day you aren’t. But what I’ve come to realize is that it’s a long series of much smaller Rubicons that you continue to cross, one after the other. The first was actually tendering my resignation, many months ago. Then there was the hustle near the end of my tenure at my job to actually get everything turned back in, all of my paperwork in order, and all that. My last day was a big one, of course, but not nearly the last.
And then that first Monday, where I woke up and realized, huh, I’m not going into work today. Or maybe ever again. And then this past Monday, the second one, where that happened all over again. A bunch of small realizations that a bunch of people I used to interact with on a near-daily basis are going to be much harder to see on the regular. And now this.
I know that doing my taxes–by which I mean using a professional for the first time in a decade because holy moly are my taxes gonna be complicated this year–is another big upcoming river to cross. But I’m more curious as to what the others will be, the ones I don’t yet know of, haven’t yet thought of.