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Micro-retirement
(lemmy.ml)
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this post was submitted on 31 May 2025
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Yes, fear is a major factor for why people don't do risky things for potential rewards.
As for having a spouse and children or a pre-existing medical condition, you're correct that only a certain portion of the population is able to do this. We already cut it down to people with something like a STEM degree that are able to do this.
You know, you can pay for private health insurance if you don't have a job. And if you have an emergency fund or (micro) retirement fund, it should include funds for health insurance.
Leaving your job qualifies as a "life changing event" and allows you to sign up for private insurance under ACA. You don't need to wait for open enrollment.